# FIRST STATE BANK OF BLAKELY
BLAKELY, GA · FDIC certificate 15496 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $668.2M | |
| Deposits | $533.3M | |
| Loans and leases | $454.7M | |
| Total equity | $130.2M | |
| Loans / deposits | 84.01% (p56 of band) | 82.04% |
| Liquid assets / assets | 28.64% (p60 of band) | |
| Uninsured deposits / deposits | 28.51% (p61 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.15% (p26 of band) | |
| FHLB advances / assets | 0.15% | |
| Tier 1 leverage | 19.19% (p97 of band) | 10.81% |
| Unrealized securities loss / equity | -0.20% (p94 of band) | -8.10% |
| AOCI / equity | -0.07% (p68 of band) | |
| ROA (annualized) | 1.79% (p79 of band) | 1.28% |
| Net interest margin | 4.94% (p93 of band) | 3.91% |
| Efficiency ratio | 51.42% (p21 of band) | |
| Noncurrent loans | 3.36% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 43.82% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 8.75% (p13 of band) | |
| Auto loans | $2.8M (0.61% of loans; DQ 3.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | wholesale funding >15%, capital falling |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 0 |  | brokered >10%, wholesale funding >15% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2015-12 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 3 | brokered >10%, capital falling |  |
| 2017-12 | 2 | uninsured deposits leaving | wholesale funding >15%, brokered >10% |
| 2018-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2019-12 | 2 |  | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2020-03 | 3 | noncurrent p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2023-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | noncurrent p90, charge-offs p90 |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

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

- 2026-05-13 [First State Bank of Blakely names Hall, Summerlin to leadership posts - Early County News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZ1pxeE1yVmNzNGNyRnpoLWVNcTBzNGotdFdmOTg3V1dLdUZpeXRiVk9yU0VPODhDUXBELXlaZWQyZlJ5RlgxWFg3UngyTnVyUWsxcm0tSTJKNjB6N0J3S1FEZW9MbFU3RG1YXzFldmpzZ1IxYzlqZXpRdFI4eFhOWWV2VkhUYnF5V19wcUdpRzM4dEhQaDVkV1ctYnFKQkYyNHppc1pfV05WRzhwNmRr?oc=5) · Early County News
- 2026-04-01 [Billy Lanford, long-time Blakely First State Bank president, dies at 75 - Early County News](https://news.google.com/rss/articles/CBMisAFBVV95cUxQaFg4YVlwX2Z3NWtSZ2VKS0pjQzBSMDlzeEFNbWxONDdlMEgyT2hjNTlsb2FZV25qSXA3Y3BHSmNrZlVsT3pOU1BjVlNaYTZ4VEEyU25mS1phUUJMM2lKNF83ZGpwbW1OcDUtTVdkUEVnSkQ4ZXZSeXp0aXdsbEo0N3JjeTB5RjhEb0h6Zjk4dkwtc05US2o5dW4xaDhNcXFRZjgzVTI3Smo1MFFPa01PMg?oc=5) · Early County News
- 2024-03-21 [First State Bank of Blakely warns the public of banking scams - WALB](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdmtVZkVUNU1tS21fcGlDeGVwdXFtLUdmenV3QW5FV3d4b2NXY1FKbHFaT0VSZnA2OU1xMi1PdENJcHBKUUpuRWE0QTJrUjFpYVBfYTBjX2hMelZSTjlxaVBteUk5TU1oSmNmNFpjc1k1R3NDLU9MWndhZzB4MGNCaTVWSkR5VXY5cWxZRnFoWdIBowFBVV95cUxOcmp2NXZHdmlTRzhPbjJQX0hPSUJVWmlPVXFCb3ZxV0xfckh4Qmg4YmFNbEFiSUNoN3F0SjdtVF9yNjJYUEVyY1ViQXdKS19XQkpjNk0tSDZJaVNMNjJJWl9GTWdfbjhFMkRiNlNZd2VQb1Y4QXhISzY5YlR3TkxJWUFvTkdSTENvRWJvRXhlNkI3eTFFRVZGT1ljdFZxaHdSSmk4?oc=5) · WALB
- 2026-02-15 [Trey Harrell Obituary (2026) - Blakely, GA - Manry-Jordan-Hodges Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUnB3N2ljN1dKanhSRHBVbDNaRzZvVU10TFpnNkF1enJBWGR3REw1RUlLZHBMaTc3b1QyeGJqU3BmOU1PeHpRNjM5Ty1OY0dpeGJGWUpRUWF6bFB2VG9lejdKdXpjUHR4LWkzRGFpNFlfeWpYYV9DNXpEVFUwTGpLcQ?oc=5) · Legacy obituary
- 2022-06-08 [Howard joins PeoplesSouth Bank - Early County News](https://news.google.com/rss/articles/CBMifEFVX3lxTE8xVnp5TkVFR0dpa0dsWHhYMy1HSmhmdlRaM21aS0kwMGtTS0FfWWs5OEktNl9BSFVoNVZrb1Bfa3duTlFTdlJkdGtCeVJKWDZLUEZNMWdqdGU5NVNOSDhtMnBoTkZFNVhNOWk2TG0tRTlmQk1WRUJQUjNkc1Y?oc=5) · Early County News
- 2025-02-26 [Atkins named to Shriner Hospital board - Early County News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPaGJUZXZFbGhXNV9hUGphMVZwQU5uYUZNa21uTGVCYjJ4aFJDOEQ5V1BsVnB5a0Z2djZRd055MlRoWm93OGZVbmpFZW1FMzk4cWd5OTlsSzhXTWw4eEZJR09lZEpEUmJmSm03QXVITzlfaGc0ZFhMUlJkMVI4dXVnVkRfcm1Mams?oc=5) · Early County News
- 2012-02-29 [Loyless to serve on bank board of directors - Early County News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWHdXUWJ0RS1JU2ljR3RPVmg3TkpQWnh1RXF3dEstNTIyQlJtdmJveTRJclNPWDZSdFd3MkJqTlVDVTJzc2hZTEIzcGlEX2dpclVKazNrOG1PU3Q5cHlmc1FhYVJUWWlVVVdxX3lCdm83c2p3MDhtUkRack1GLVNtcDhpX0RreGFFakhTT0pB?oc=5) · Early County News
- 2017-10-18 [Still-Moulton engagement - Early County News](https://news.google.com/rss/articles/CBMidEFVX3lxTFBYUHYzZ2xhR19tSHNXazhNNmNQdEJVcUxzYmdYcWpiUGstWFBUR1ZZWTM2eFl2OW5HSDVHbjV2TFFORV9udzhabHluWER3OVVQbE5XUlFhMjNKZExOd3BGUmNXQi1sUk9yLVZDQmszVGZMNUNH?oc=5) · Early County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15496 (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/8.json (key "15496", 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