# MONROE COUNTY BANK
FORSYTH, GA · FDIC certificate 156 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $94.3M | |
| Deposits | $85.9M | |
| Loans and leases | $62.0M | |
| Total equity | $8.1M | |
| Loans / deposits | 70.65% (p51 of band) | 70.22% |
| Liquid assets / assets | 31.35% (p42 of band) | |
| Uninsured deposits / deposits | 7.93% (p28 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.73% (p19 of band) | 10.41% |
| Unrealized securities loss / equity | 0.00% (p39 of band) | 0.24% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.29% (p18 of band) | 0.79% |
| Net interest margin | 3.57% (p47 of band) | 3.62% |
| Efficiency ratio | 85.39% (p76 of band) | |
| Noncurrent loans | 1.49% (p65 of band) | 0.88% |
| Net charge-offs (annualized) | 0.10% (p72 of band) | |
| Reserve coverage of noncurrent | 146.59% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 14.93% (p49 of band) | |
| Auto loans | $1.3M (2.14% of loans; DQ 3.77%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 4 |  | NIM <2.5%, uninsured deposits leaving |
| 2012-09 | 6 | deposits shrinking, assets shrinking |  |
| 2012-12 | 5 |  | charge-offs p90 |
| 2013-03 | 3 |  | losing money, expense ratio p90 |
| 2013-06 | 3 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 1 |  | reserve under noncurrent |

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

- 2026-02-11 [Longtime banker Cole Davis is an Everyday Hero of Middle Georgia - mymcr.net](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPdnpfbEpVRnZEenRIZjJXYXpFWWhXOF9zRjlTakk0Q0JxNVN1NXZPSWR2dGc5RXBCeHZtSkNqQS11TEZkSWRzLTdYdnZuRFVpRXVyeDU0NDYyZEhMc2hnbExsc0o5bjdMUXIzUjBlbDFlQWFHQkJnbDJaTldaLTV0aWtpeDRMR1lGQXlVRmFRZ2NwZW1PZmp6M1dyVmZMcXppeXlELVFvUVZoNHFfS1FFb3dtbkJmRWpjU1BZZG9oNzFMWnd0RmlwaDF5aXE1UkNFbzI0STFNbWY?oc=5) · mymcr.net
- 2018-11-26 [From rural banker to Georgia legend: The remarkable career of Joe Evans - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxOOVRYbkJkTWdxQWdPWXBYQmFOVUluNDRVWHBWQXNxcTNRRFJBZEJtNHNuYUpYTjFFV2dtRzBnS2dDM2paZVlhbElkaGF2a3pBckRUU2JXYmpiNjZneFVjQ21FazZHcVo2bHFoLUdGZ05kOVc4RURLa3Y1R1lCYzdVcHZwblg?oc=5) · American Banker
- 2026-03-24 [Brenda T. Melton - FairHaven Funeral Home and Cremation Services (Macon)](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9YZ1k2cUNuYW03Mnl5MllDVHZXUGRqc1luZHBoaW13T3VFc0RMcFdkUFFMN3lDS2ZHeEJuVDhLXzVsYjBIZzNtZk5IX2pFN09UMXJlZWVvUEFvOV93NTFlRDA5UERKUQ?oc=5) · FairHaven Funeral Home and Cremation Services (Macon)
- 2016-01-13 [Monroe County businessman sentenced to federal prison in tax evasion case - Macon Telegraph](https://news.google.com/rss/articles/CBMia0FVX3lxTE1NQXl6VS1Ha0tCX3FsaE9yVjZwSmZmdV9XbkVHWmVOVjc1UllpckctY0NLMG15UGUzdXpjZmk4OGh2SEF4ZGlpZVJIaS1SOENTQWlOU1RiekRqN09lQS1oV09wYWk0TVpwYXdn0gFrQVVfeXFMUHF0U0szQnFKNjJvUGdrUGZUUnJRTjJFSkVDa29nZHlZa0xqQVJVLUZ1aW5yNnMxOHdEZ0tLdmgxeWNkY25HbkdoS1J3Qjh0UXZHTXRkamtKS21ZLXVoYkN5TFJ6M29IVkFsX00?oc=5) · Macon Telegraph
- 2007-10-10 [Monroe robberies fugitive captured in motel standoff - Toledo Blade](https://news.google.com/rss/articles/CBMiygFBVV95cUxPVEdRODNOdzdTZkwwYnVsOGF6dDlNLWRHek1ITldYQlFodTgxaGtoemNIUEd6QWFjMU1jWjlFWHExVl93TTZveG4ySFc0VWRJZ0Y3clllTnplZldhaU85VFVoOW9qWTBHVG9xNU1FWnNlbnRGd1pxQm05UFg4cW9CWEVHMW52RWZ3UmJ3UW0zZHk4eURUMzFJVm5mVlQtMHR5Uk9GLWI2VG44eG1nNW1wUmpDZ2p1d3hYRWNlTXRyTy1rUEp2ck5Tb2Vn?oc=5) · Toledo Blade
- 2026-03-26 [Brenda Lea Melton Obituary (2026) - Macon, GA - FairHaven Funeral Home and Cremation Services - Macon - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxQclQ2UGFqdHh1QkFmLUhIV2haTGhGYlhHTlp3aS1PT21Hd0NUa2VXU0lGNVRLdnI1ckZDUmZjVnkyVjNLYnotWElIRVg5a2JhR0tnTzJQaUg0VWtaVllqTnQ4dmlBWkJRX0hNY21WRUNWNWJwTUdvVWkxZ2RFbDlSUkNB?oc=5) · Legacy obituary
- 2021-03-04 [Monroe County blessed with black leaders, achievers - mymcr.net](https://news.google.com/rss/articles/CBMixgFBVV95cUxOU3diZWZ0OWRSa0tGaUpWMkxSM0ZHU2pFckpiWkFDcU5EeHFzTFF2c1puX0ZKcVdBUXhITW1rQjBULW5kcWxnQ1ZUNUZpVHFlOWo2c3RxZ3U2bVFFbEw1YXoyYjRxUVlzYkEzc2NOMFFnWmljUmZjWTB5MEo5WFZXa1AyMlV6NkdYMXhldG1hZElBR1kyZDhXMEw0cnBpc09qa0ViNm5UZVFVSlRvMkxEcWhjYXVUYk1GQ2pDaVRQY3d6TGJYVHc?oc=5) · mymcr.net
- 2016-08-12 [Emily Conger Obituary (1957 - 2016) - Forsyth, GA - The Telegraph - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOaWZCaFRWR0RGQ01Kc2RORDFlVmxYVTNPSGVSWTJLZVc1Q19TUnZUVFJVNGEyc0ZnQ0ZKd01kVlJGVlBfdnAwZWtkdlpaa3VKSlYteGlXY1NvX2hLVE5HWE9PaFBBbUhRN2lLTFB0MHVNS05WN2Z1bEwtai1hOEc5UkhWMVkxSXhD?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=156 (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/28.json (key "156", 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