# BANK3
MEMPHIS, TN · FDIC certificate 15205 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $491.8M | |
| Deposits | $433.8M | |
| Loans and leases | $413.7M | |
| Total equity | $51.8M | |
| Loans / deposits | 94.34% (p80 of band) | 82.04% |
| Liquid assets / assets | 12.96% (p11 of band) | |
| Uninsured deposits / deposits | 27.79% (p58 of band) | 25.97% |
| Brokered deposits | 18.99% | |
| Wholesale funding | 19.66% (p93 of band) | |
| FHLB advances / assets | 0.67% | |
| Tier 1 leverage | 10.98% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -3.39% (p70 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 0.42% (p9 of band) | 1.28% |
| Net interest margin | 3.13% (p14 of band) | 3.91% |
| Efficiency ratio | 83.79% (p92 of band) | |
| Noncurrent loans | 0.05% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 2041.55% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 53.33% (p59 of band) | |
| Auto loans | $91,000 (0.02% of loans; DQ 10.99%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 3 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2013-06 | 3 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 2 |  | losing money |
| 2013-12 | 4 | losing money, noncurrent p90 |  |
| 2014-03 | 3 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2014-12 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2015-03 | 3 | capital falling | charge-offs p90, reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2015-06 | 6 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 6 | charge-offs p90, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2015-12 | 7 | deposits shrinking |  |
| 2016-03 | 4 | uninsured deposits leaving | expense ratio p90, losing money, capital falling, charge-offs p90 |
| 2016-06 | 3 | losing money, expense ratio p90 | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 5 | uninsured deposits >50%, capital falling |  |
| 2017-03 | 4 |  | uninsured deposits >50% |
| 2017-06 | 5 | uninsured deposits >50% |  |
| 2017-09 | 4 |  | NIM <2.5% |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | brokered >10% | uninsured deposits >50% |
| 2018-09 | 3 |  | brokered >10% |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | losing money, expense ratio p90 |
| 2019-06 | 2 | brokered >10% |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | wholesale funding >15%, capital falling, expense ratio p90 |  |
| 2020-06 | 3 |  | expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | wholesale funding >15%, capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | wholesale funding >15% |  |
| 2022-12 | 2 |  | wholesale funding >15% |
| 2023-03 | 1 |  | capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | brokered >10% |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, NIM <2.5% | deposits shrinking |
| 2024-09 | 6 | deposits shrinking |  |
| 2024-12 | 6 | loans exceed deposits | deposits shrinking |
| 2025-03 | 4 |  | NIM <2.5%, loans exceed deposits |
| 2025-06 | 6 | loans exceed deposits, liquid assets <10%, capital falling | uninsured deposits leaving |
| 2025-09 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

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

- 2026-04-16 [Bank3 Data Breach Exposes Clients' SSNs and Financial Information - Claim Depot](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4waVNkUm9lc0FlZkpDRy1QRjV4ampDY0o5LTl5VlNtdGhIUkN0emJLcUF2bzVnNUdzT1N5UllVS2FVM3NMUlFLT2pYRDJvMEVwaktNM19vdzhRYlNYb1E?oc=5) · Claim Depot
- 2024-09-05 [Bank3 Announces Promotions - Poised For Growth! - The Business Journals](https://news.google.com/rss/articles/CBMid0FVX3lxTE1fcVFHRUgzeDJ4NEwwNkp3S2tfTFIxVGJjVHU0VFFCSnZHamFvc2IxTzVtTWt4bVY0aVYtdFctOHozcUxnVlE3QVpYdFpLd1RNOFI3M0FnTkJuNkNLWkR4V0I2QjJYSG93ZVkwNVNyNG52dERpM040?oc=5) · The Business Journals
- 2021-08-25 [New banking brand comes to DeSoto County - DeSoto County News](https://news.google.com/rss/articles/CBMikwFBVV95cUxONkxNSk1QekNOSFFRQkpkcHozNS1LQnhmUm5zY1QxS09mQUhPSFVzMkdwRmhrV2dldExzZ3dxNndDRzl0Sk1wdWxIV1NYT0daX1NFZF9FaW9XNTAzb0hxRVpoNUhPOERFRzFTenQ5bkFxdDdvb0VSUEtveDV1NFBtYXFUa2lDMFBzQkN6NjhqdjlVek0?oc=5) · DeSoto County News
- 2023-06-16 [Memphis-based Bank3 names longtime industry leader Will Chase as its new CEO - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPTVpCZVRqMkZoQzJDakRXbzBHcXM2cWlZQ2tJQ19OT0h0U3FqVENZX0NOTURuZnQxdzU2Qk1ncnRZOU5JdXk3X1NPTkRnc0tQbmJJRDRFVzgtdzA0RXR5djJZamhsMWMtMFhmWFBvRmZ4Ty0yQTk2VTZJZk9KWVdTQnJ5XzJ3RWJGYm9QVnRDendvSExTTGRsT2RqTDNDN0xGSkxiQUhKUQ?oc=5) · The Business Journals
- 2023-07-11 [Bank3 leadership on new CEO Will Chase's vision for growth, bank's outlook for the future - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNYjNkQTFZTFNPRlVkdXBfalV5UEVWODJOOUpQZDRNb01xR1Zyak1lUWhFNXFVaGVCdy1WeUtJT3d0MmhZNWtjd3FKUXFqeTJYMkxRSllmWTRHWWdSZzVwaXUwMmZxYnRpUEJfV1c1S29WbjUxcmtaUVFUbW9rTDBlUy1PSTlKaWs1UnZWQk9pdkdYRWhVUDhKV3Zxc05RZkw1eURzOTZ3?oc=5) · The Business Journals
- 2016-11-09 [New community bank opens Poplar Avenue headquarters - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPcHBPc3hJVWhJaHFydGFMaHNEM0EwdkpSNGl0V1BhLVRjVUVQdS1ORU9DcmlyUU9vMlRIVFJPTTR0UEFTTFJyWi1KbXFCb2RuYjhyaU4zX2NjR3YyNlZBQl9pNDBnakpaNzZxR1l6elRxRmFWRWRfbWVjc1N0VE1fMU9YbExrNGh2TThjM1NHcERoNWVCNjRCXzZRcw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15205 (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/37.json (key "15205", 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.

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