# BANK OF ALAPAHA
ALAPAHA, GA · FDIC certificate 155 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $251.0M | |
| Deposits | $230.0M | |
| Loans and leases | $126.7M | |
| Total equity | $19.3M | |
| Loans / deposits | 53.80% (p23 of band) | 73.59% |
| Liquid assets / assets | 46.96% (p75 of band) | |
| Uninsured deposits / deposits | 29.75% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p28 of band) | 11.76% |
| Unrealized securities loss / equity | -43.35% (p8 of band) | -6.57% |
| AOCI / equity | -1.67% (p16 of band) | |
| ROA (annualized) | 0.65% (p23 of band) | 1.17% |
| Net interest margin | 3.44% (p27 of band) | 3.93% |
| Efficiency ratio | 76.06% (p72 of band) | |
| Noncurrent loans | 0.34% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 687.76% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 7.54% (p34 of band) | |
| Auto loans | $1.9M (1.48% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 1 |  | capital falling, charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2014-03-11 [FBI releases Alapaha bank robbery surveillance photos - WALB](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQzRMcS1NbXpnd1pqbzJrRVRNdDNYSmJ0cTRBQlRXaWFLZktiOTBHTXl2aDZIeU9pM1ZXaXlyTTBDbFlKbDJIVnhtUnM2UFBXV3lwTktoVjJoeEs1SXNOWUx0Z2lGajl6UWdTbFB2M08tVkN0MWd4QWJjVXRjN0tnMWozcUF4MVRkakxfR21LbGk2bkVL0gGnAUFVX3lxTE85X2ZmMmR1VTZBOFBjcFl5ZzV1cFdsYkFyTFAxeG9GNk1ma3VybjAxTnZqOVp2bEh0TC1ObGxmb0N5UGtrNjhQZkxXUVBsVDVCejl4ZGdVUGdSUzM4RVJiZ0ZEUm1Ta2Y1RmxWUGhIb2RPc3lodUpkZHVsYjF3M0ZzOFN5SHlTd3pBYUF3eVkzN04tOGpWdEZCR05uRWNPaE40YzE0VW13?oc=5) · WALB
- 2022-12-19 [HARSEY: Station Restored: Alapaha Strong holds depot ribbon cutting - Valdosta Daily Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSkZ1SzR0bTZ6OTRWVmVmNVVRRDdxZEl5cDlFQm9iZXBhNlhJV0hUNm93UzhENWlRVGVFMDcyeFpnUm9VSVhsWFRuVnZtV0YxUG5rSHFqU3ltQ0hFQVdWMGI3UkFzR1hFRklhOUFfam5pdHk5amZUdHlfLVJTS1Nqd3FCWFozSW9TMWhrS3hvOUFYS3U0TElxZmctQS0zVTdhQzJ5VkZqRmtlUFdo?oc=5) · Valdosta Daily Times
- 2013-07-17 [Alapaha Gym requesting help - Tifton Gazette](https://news.google.com/rss/articles/CBMic0FVX3lxTE5tdV9aMzhGUmFKQVg0TmVfZUZScE5wbGwzeFFGWnFBaUs0Q0lzYjltUHBReUdWWkJDRG9fMjFidEdhTTJNekJyR0VTaHlwTVpnX0swYkZHbE1YdUw3NE9jeG5USFJxT0dKZloxLUtCV21LMjg?oc=5) · Tifton Gazette
- 2022-02-02 [Ronald Autrey Metts Obituary (2022) - Tifton, GA - Reflection Cremation & Funeral Service - Tifton - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZE1hUjl5V3ozdWFXOFBneWE1LWdtQ2piOW1BVkNwdS12c3BScTMzbkRsdnBaMUhoRTVnU2U4eWxRSDdmT29nNEhBcWNWMURIWkN3MS01ck1jMWNyRnVPalJOYnJnTHp0bDhHaHFnMU9lalNBN2ZvVFd1Qm84U21Paw?oc=5) · Legacy obituary
- 2025-03-06 [ANALYSIS: Winner of Enigma council election must grasp the stakes of his decider role - Lanier County News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPd2I4c2FCalZuUVhpT3ZwdHd2eVVqNzJPN2FVcHVRNXFHblJNVGR1WWVJZmZ3MVhuRnlfVDFnLTN0U1JFd1o3TnBzMFM3U2lKQldsMGc2LWYyTnFWMnc3bG5EajAzZzlSMC0tdmxmMndjYy1CbUN2M1U0bC1KS2JaLVgtTGdHZ24ydkN1NXprRUY1OUJLakpuWFdNUTgwdVp2QkhHSW1jN191TlF4NVhaNVpKbWlNSE5iTV94TEFlUzJzaWQwN0pxeXh5b1hBMDBz?oc=5) · Lanier County News
- 2016-10-08 [Willis Osie Nash - Obituary - Ocilla, GA - Paulk Funeral Homes - CurrentObituary.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5LQVdnVy1NY19Wa0dVa1QzVzkwcmxWbFlXMHRobFprMjlPeDlFVFlCeVhjTjR0c1NiQ1dJcU5nektka3g1UEFaeTRhVEptNkpKS2txYjlR?oc=5) · CurrentObituary.com
- 2021-06-09 [Berrien man pleads guilty in multimillion-dollar fraud scheme - Valdosta Daily Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdWdQYkp5OFVYdkxyNTAzYjh4VTZoS2RPazVreVplTXBqNnFYSk9JVWNxOWFsQmZkS21haVBVdnR4UUNvUmxTZWRiNC1CZVdiQ0lYS29Jb2RnTUt0NDJzSnB1dUlGX3cwb3p5UE9rR0wtR1VhWTZmaDZIR3dwWk5JOVlpSncwZUwzVVNfbTk0NEVHTzFKamotNlhXbE54ZzlKRTdjVjN6TQ?oc=5) · Valdosta Daily Times
- 2014-04-16 [Douglas bank robbery suspect identified - WALB](https://news.google.com/rss/articles/CBMigAFBVV95cUxNaHBhaG1BMXFZaENrNDRmenYxNE5GSy1NYThONUsyODI0d2VZdjJvaDYxaEI5emcwT3FBdWFhRVZFbVFZU245WU4tVjF6RmdZT0ZMaEN1bDE3UFVKWXE4R2ZxZ2dHOFgxcUZIdER3M0VMdXdZYWgyYUI1ZjVZbkQ0ZNIBkwFBVV95cUxQQXdWUkdLTVVOeks4V29FSnNJUWdqQ2dwUFZuQjVrYnhPTVdvTU5peXgtZUJiQS1pLVBCUnRzUnA4dGNCdjVuNkJkMTluOU11RnUzOThDTFA3WHJMVUNqVDBjY01ZTXhFZ1ZjZGZabEdDS3pSV1NMLWFPZE1xNHozTFlLdTZsdVpRVk95VEpsUnZENTg?oc=5) · WALB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=155 (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/27.json (key "155", 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