# BANK OF GREELEYVILLE
GREELEYVILLE, SC · FDIC certificate 15113 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $160.1M | |
| Deposits | $144.1M | |
| Loans and leases | $110.2M | |
| Total equity | $15.6M | |
| Loans / deposits | 75.75% (p54 of band) | 73.59% |
| Liquid assets / assets | 28.52% (p40 of band) | |
| Uninsured deposits / deposits | 22.31% (p59 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.62% (p34 of band) | 11.76% |
| Unrealized securities loss / equity | -9.30% (p41 of band) | -6.57% |
| AOCI / equity | -1.87% (p14 of band) | |
| ROA (annualized) | 1.43% (p64 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 66.51% (p52 of band) | |
| Noncurrent loans | 0.38% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.28% (p94 of band) | |
| Reserve coverage of noncurrent | 259.66% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 44.11% (p75 of band) | |
| Auto loans | $3.0M (2.77% of loans; DQ 2.36%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.4% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2013-06 | 2 |  | noncurrent p90 |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 2 |  | noncurrent p90 |
| 2014-03 | 4 | losing money, expense ratio p90, noncurrent p90 | charge-offs p90 |
| 2014-06 | 3 | capital falling | expense ratio p90, noncurrent p90 |
| 2014-09 | 1 |  | losing money, capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | charge-offs p90 |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-09-08 [Bank of Greeleyville receives Image Award - Post and Courier](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQN1hsNU5HdjNJWGtoSENEckFnWGx6TGsyUUdpTll4amlUMi1uanM0SGdHdUduQ3RaNF9nQ0pSbTMzMk05OUdjRnJkTVBhcFZITUhxR2Qtd2ZrcDFrYkNKQW4tOURqM2RSTnl1bnE0eG5sbnJoWER3UTBEcV9falB5RXJwd1A2enh6Z01FWHk3WFdKRjNzMWdUSDN3NjNEQndEZTljWDlkWm9LWVo5NUlwM09vYmhGc0QxRGRfaW55bDJTcV8wOXh1Y3hhRFBCY3JMSHJv?oc=5) · Post and Courier
- 2023-04-09 [The History of Greeleyville - Manning Live](https://news.google.com/rss/articles/CBMic0FVX3lxTE84bEJVUXZMRXAzNFdsTFg2VW5MVXNEUlh3a3BUN2p3TVFTSVZXaHNzVS1jYjZmTmdEZTRJbmY1NEdpSjJsR0VwYnRkYjFWUEdVNUp3SjFvYjI5Sm4zUDBVcTVCQmU2blN6Tk91Nnd2d3czV2M?oc=5) · Manning Live
- 2021-02-10 [Jonte named Independent Banker of the Year - Post and Courier](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOOG94bjJjbmFDTzRoUFl4cGRoc0xWYTJxcXZCZlFTaWFqRFBnaTdHcUo2TlhwdG9MMUUwbHVJb05GQVJyeDMwTGZMRzVCYTFaNUdhcWNfUDJZcURzMk44T0FuZlhBcmNkZFhtdjdndW1EajJqX1I5ZnJYUzJMSF9TQ1pBUVA4RnVGNTlMM2JObDMwb19kQjlSdlZuNUl2UHRmbGNtR1Y2elBWWjFXMlpDdkRaY2RxVzJhT2FEUE5XYnhTRlN4MF9IcTlKcURGR01oYTFfSQ?oc=5) · Post and Courier
- 2026-01-26 [The almost retirement of Bobby Jonte - Manning Live](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdUxNMFByaGVHMVJDaVNNemZOVGNjSEhGeFQzR0dlNHBVa3JvSGg0dHZlWnhzWW5za0VHc0xlbHBTaDB6elB5ajZRTzc3TG1KMEtGR096cmxWNlBJbVdaYnY2STJ2VFV4NmJIc3YwRlhQdjZEQUZTVk53VUxPQ3Q5Qw?oc=5) · Manning Live
- 2011-08-02 [Tessie Richburg Obituary (2011) - Greeleyville, SC - The State - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS051Z0JGMkNYVGpyZTV2V3Q3dnJqV2cxVExFSlNWMC05amdXTWpWTS03UE1tVnBQejdZcDJnNGtTblpyN2FVSS1kd3NRbklUS3NWelo0Wi1YcTVjSXJSaFE0dW9nX1poY20xTXF3SVl3WVM3OE9FSE5fQ3VWSGtxdE1jSTBYdUp3NTY4RU93MEY?oc=5) · legacy.com
- 2024-04-17 [Williamsburg County School District hosted all-county concert and art gallery - Post and Courier](https://news.google.com/rss/articles/CBMikAJBVV95cUxORVRPQVFlU2dZNUc5eDFyMkdJN3VnY0JWOGpxZmxWWktFMDZLRHNwMzFYckdYMmlUeWo2TkFJQU1BYlh3SWM5aE1IcDNxY3ZsZVNiZlZLR2d2b1RIM0VQRFZ4Q0tJZl9OSWZ3N1U1cWZXVVdua3Z2QmFMdTFSOTBiSm93cVc1MXdyUjV2UzFUYkFCZ0pKRF9RSG5qU2oxU2JDWDFjUVdtNzhiVzNWZlR6TFNuY3JPZ0dPSTFTUmRGN21QQk9tNlRCR0pmQjBjTkRyUlZlMWtsU1ZuV2ZWa3NHWnVmbnhZazlQMjdqcHV2c252QmVyMnR5UWpXbHpDODZmTzF3MkM5UW1tYWlEOWE5RQ?oc=5) · Post and Courier
- 2023-06-20 [Greeleyville honors fallen soldiers - Manning Live](https://news.google.com/rss/articles/CBMifkFVX3lxTE1iUXIyZ2R5U3Nra3o0U2VRbzRtUEstOURJU1gzNXFHVl9Ic05Fa0RRVlk5NWJWcF9saENkMHRNZElXN3hBTlNBbGdHaVlzVDJtT3MtT0ZHc2JMT29LNnhPU1Z4QTJNU2VoTlhHRmNxX1pDNFcyR2tndWloTmdlQQ?oc=5) · Manning Live
- 2026-03-25 [McClam named Williamsburg County Agriculturist of the Year - Post and Courier](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPb3UxdVZ0cGNfc0JKMWY3Wl8yWS1saXU2NmNZLVE2bmRVVDlMSkM1VWpGQU9XcVlwSGtMOWs4Q1hGWU1FSkRQdnRoTHRsaWptS0k4bFFtVjg5cUNCLVZnV1U2dkVqZ3EweWwwNWlqNHpDOXd6WEhMZGNUWk5Za3A5T2VZQ0J4XzV4YXB5RnlMNnNkV01sdjRKSmxuaW0tY3dMYk1CbENkT3dWNThGQ1NwWVh6VHEtaEhpSkhXSW5wVm1vVnB0dXhYei1QNG1DNnptZk9jV0ZMbmNwSjdnV0dIejE1SlJvUVBzRWtfczdFZGZPS1JnZ0lJ?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15113 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "15113", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide