# DURDEN BANKING CO INC
TWIN CITY, GA · FDIC certificate 15336 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $299.2M | |
| Deposits | $252.2M | |
| Loans and leases | $245.1M | |
| Total equity | $46.1M | |
| Loans / deposits | 95.45% (p87 of band) | 73.59% |
| Liquid assets / assets | 16.82% (p15 of band) | |
| Uninsured deposits / deposits | 27.68% (p76 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.24% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -4.74% (p58 of band) | -6.57% |
| AOCI / equity | -0.48% (p45 of band) | |
| ROA (annualized) | 3.60% (p97 of band) | 1.17% |
| Net interest margin | 6.08% (p99 of band) | 3.93% |
| Efficiency ratio | 43.87% (p6 of band) | |
| Noncurrent loans | 0.11% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p71 of band) | |
| Reserve coverage of noncurrent | 1568.73% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 67.63% (p87 of band) | |
| Auto loans | $5.0M (2.04% of loans; DQ 2.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 48 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 1 | capital falling | charge-offs p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2022-08-03 [Durden Banking Co., Inc. announces promotions - Emanuel County Live](https://news.google.com/rss/articles/CBMijwFBVV95cUxQaS1QbVhFMHRVelI0Y2xscGw0ZEtZU2tkUWhCMjJDZlZqMnZNS2Fxay1zRzlzcjJubWJ4MVVZZjRua0RiVmdhVG1YWkZITGM1RkNGZkFPU1VuZGNRQVF6eW1rS244MjVEZ0tqWVM1SDlPWk9pUFBmdk9HWW5SUWhucWlxYWtKME0yanhJTVJ4RQ?oc=5) · Emanuel County Live
- 2020-02-27 [Applications now being accepted for Julian and Jan Hester Memorial Scholarship - Emanuel County Live](https://news.google.com/rss/articles/CBMivAFBVV95cUxNUFhJV3ZybXVuUXg5VmZENjBIeTlneWd4S1dWMTFVVnFUSmpwMG9LN21Zc01CbkVhMEYyRGg5dFJMVEc2Q0tvNmZ1Ujd5RDRHaWJYUmlMa3VFVzFIS29UY1lFYU5QWHc3MHlacDJDTEUzNUk4VndMUVRkRlJhREJnbVpEVmxDZFl6OFZrM1FkRDd2YmJQajhGRExEU3U2RlJiZHVjbjBDQjk0ajhVU0hyVzFVSF9TN1JEMm9acw?oc=5) · Emanuel County Live
- 2025-05-21 [Emanuel County Institute Honors Night - Emanuel County Live](https://news.google.com/rss/articles/CBMiigFBVV95cUxPQWVyQnU4MlJOemtVU3FzalNCY1NkVTVFMWo4dlBBODdfZ2xibk9TdTBndFZ6enA5N242YVllTWdfVXNFQnRJZXU0cFZrcEg3c3M2anFHTkt4bWJhNndHZHlmODZjV1NCdGRQM1BoYkhjZWZ0ejVlS0NWNUZha2NKWWpHSS1ZN205M0E?oc=5) · Emanuel County Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15336 (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/40.json (key "15336", 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