# BANK OF RIPLEY
RIPLEY, TN · FDIC certificate 15673 · asset band <$300M · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $271.2M | |
| Deposits | $229.0M | |
| Loans and leases | $92.6M | |
| Total equity | $32.6M | |
| Loans / deposits | 40.04% (p11 of band) | 72.07% |
| Liquid assets / assets | 60.88% (p89 of band) | |
| Uninsured deposits / deposits | 23.81% (p67 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.36% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.97% (p78 of band) | 11.60% |
| Unrealized securities loss / equity | -38.05% (p14 of band) | -10.38% |
| AOCI / equity | 4.92% (p64 of band) | |
| ROA (annualized) | 0.64% (p34 of band) | 0.91% |
| Net interest margin | 3.15% (p32 of band) | 3.54% |
| Efficiency ratio | 79.17% (p69 of band) | |
| Noncurrent loans | 1.05% (p78 of band) | 0.27% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 93.11% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 5.94% (p30 of band) | |
| Auto loans | $11.1M (12.00% of loans; DQ 3.54%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2016-06 | 2 |  | noncurrent p90 |
| 2016-09 | 2 | noncurrent p90 | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 0 |  | capital falling, reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | reserve under noncurrent | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 | charge-offs p90 | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling | charge-offs p90 |
| 2021-06 | 2 |  | noncurrent p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 2 |  |  |

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

- 2024-08-13 [Security Bank, Bank of Ripley announce merger - parispi.net](https://news.google.com/rss/articles/CBMiigFBVV95cUxOam5sdXFuUjMtM3paMHF5M2xjWkhVOFhuUTdtOXlRejhYdUZEWmhfVUx4OW03UG1NR2JsWW5XX2NXdmU4d0pxSzdTZTIzcDJhMGlRdDM5cjlYWndXdnNWbWdwZlpEUWE4ZTZvU2xfTGZMX0hEQ3RTcm9NMEU4bE56ai1KOTZ4WWtUUXc?oc=5) · parispi.net
- 2023-11-15 [Ripley’s Farmers Market Marks 47th Mural in “Everywhere You Look, UT” Campaign - The University of Tennessee System](https://news.google.com/rss/articles/CBMiswFBVV95cUxNTHhNejhtOWo2Q3hteDV6RGtEbXRSd2ZHcXVzS3JleVR4UnVDdkNwZXA3cnEyeHJuYjlXWUdjYmJDOEgzVFNPajRUWDBoSFVqTVZFTFotVjFYbV80dlE1YW92R0ZUbHAzbVpfbmlmSVJLd19lM0x1V3NGTXdWdmNIZ2ZKeTBLS292TVBaTmdUNUx2Y0JPOGhzVlptbEtlSURyR1Q3cnRib1M4eDBQSTRraXgyRQ?oc=5) · The University of Tennessee System
- 2021-06-15 [Massive federal funding to locals could put burden on banks - Tennessee Lookout](https://news.google.com/rss/articles/CBMiogFBVV95cUxPcUg1cFliVlVZQmFBekU2WVZRTmFsQmlqcWRmazFhVkYxTVZyX2hvY0d5eXlPMzVLQjUzRE4zWE9OTWhwNWNIdUJ4dHBnNmVsYWhpempIelMzcjQ1OURjeGhPLTBZeUlZNmJwRnAxMGNWREhabC1UY0xxVmU0T1FKejFGZTBtV1FIV3JUWko3X2FWQk1VNTRSMjZ5Q2VNSVRwTVE?oc=5) · Tennessee Lookout
- 2017-08-06 [Craig Fitzhugh announces candidacy for governor - The Tennessean](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNV1FIV0FVaFFnVmgxazM3TXVOZFZQdkN5QW5hT2NvbDRVZEwtejJGZFlxVTBORXN3Q1REaC1lZTNBVjBLRHlBQVdVN3V4cDJnR1A5NWJHRkZoMnB0aVAyTmtWaFBnU3A5RVl4bFlyM2x4Sk8tN1NKdmNCUW56UDVjVU8xckdTUl9jTWloWUgwaVJlTXhEb3VSU2hLalhwZFV4OGc2WkJ4NHVPaC12UnZuTU1wX0NOeW8w?oc=5) · The Tennessean
- 2010-04-09 [Don Glidewell Obituary Apr 9, 2010 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTFBnVS1HZkc5Y0lBVzJiOVVkdUE5ZVhOQ0E1dFhXV1ZIbGVnR0xGTWo0LVRlUGVTOC1hU0JWYkMxdHNmRGNYdThfRjNRMzU1bUlUTUxfQmtjQ2w0WEswckNkOVNmRFNiOVRpeXRYc2p4Vy1HVmtYaXRr?oc=5) · Shackelford Funeral Directors
- 2019-04-23 [Daniel Beaird Obituary (1965 - 2019) - Nashville, TN - The Tennessean - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZS02bW5BSHd6bHV3ZWdyeDFiWDVzQkhSRUxmNnd3M0Y0Wjc5anVoRHFOVGxLUm1nZ25BX1pBaEMtWFJicU90aVREYU0wWnVENmpEOVJzempvX1laa1FNLU5jeVpKYjc3STdaUlVPQXZlcUtKWkxQMTR1Z1Rtem1TeVJTdm45UHN2SWxncnpfSQ?oc=5) · legacy.com
- 2018-07-30 [Karl Dean suits state's temperament, is best choice for Democratic nomination for governor | Opinion - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMizAFBVV95cUxPck0zYkd6TktYTFVsdjFHYlBmWldLdlhzTWRJMW9takNXTXd6TVVKdVM2WmFfN3d3QnY3c0FfRnY2QkJqNzNnM1pac0dua0oyYzg1ZUl3Wm95NEotNmN4MHVkS1NKcEJXdEtmTnRBN1hDYUZiZGRwSWhIbTAtQnAzcC1wODlUQkZ0QVlRVnNPbUhLMVJDRkVQRDhZLWNzb2NOS3RXUnpZVDRCN0UtS1BEVGxDdUExUTNkeFZDXzFwM2pNLVJmWkV0NEUzckw?oc=5) · Knoxville News Sentinel
- 2017-08-06 [Craig Fitzhugh to run for governor of Tennessee, setting up contested Democratic primary - The Tennessean](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNUDV5R2U3cE04bDM0RENBdldwcGJuSGU2NzdibzBxeXM0UW1JdmpWVkJuXzNGLXZ1R3pCNThENm9CMmw4ME82d1B2WGlkY296ZGFkdHQ4aklWVkNhbTlOSXFxZ1lJdkxOTU11Vjh0aHMwX0ItZEJtRThJY1kyYS1fTXo5UWk0TU8zc2NmekdGSGlYS3RLOE5seW5YODZUdndMeEg5ZHByNm44dlVXSEdCRC1MVDBTRnZ6MlVJVjgtbHdCZHZvMEhnUUZZelBtbG84NGVPUU8ycTJVMk5XdTlr?oc=5) · The Tennessean

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15673 (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/57.json (key "15673", 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.

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