# FIRST BANK OF LINDEN
LINDEN, AL · FDIC certificate 15695 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**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 | $86.9M | |
| Deposits | $74.6M | |
| Loans and leases | $21.0M | |
| Total equity | $12.1M | |
| Loans / deposits | 27.68% (p6 of band) | 64.60% |
| Liquid assets / assets | 74.16% (p95 of band) | |
| Uninsured deposits / deposits | 16.86% (p45 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.50% (p83 of band) | 10.53% |
| Unrealized securities loss / equity | 3.57% (p81 of band) | 0.67% |
| AOCI / equity | -5.01% (p11 of band) | |
| ROA (annualized) | 0.39% (p18 of band) | 1.00% |
| Net interest margin | 2.47% (p16 of band) | 3.26% |
| Efficiency ratio | 86.50% (p84 of band) | |
| Noncurrent loans | 2.34% (p90 of band) | 0.41% |
| Net charge-offs (annualized) | 0.00% (p74 of band) | |
| Reserve coverage of noncurrent | 61.71% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $231,000 (1.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.0% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | deposits shrinking |  |
| 2019-03 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5%, reserve under noncurrent | capital falling |

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

- 2023-11-08 [Alabama ONE Credit Union to acquire First Bank of Wadley - Yellowhammer News](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZGUzd0xjNjJ4eWtRb185d0hsOFRWS2NsZHZIbnFqV2hiLU9ZemdzM05mYVV5VVk2eUJDTVRQTl8yMVFESldpRHZMdV9UQnFCYjFqbVh1N19PLTM5Wlh1WGstUldDUmpGVkt1c3FRdGpqRC1NTFZUbmRhTUExRXU0Y3JyejRFUlRoa0xIamxpNA?oc=5) · Yellowhammer News
- 2022-12-21 [December M&A flurry propels credit union-bank deal tally to near record - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcTZuVHQ5Zkd3UmJVejhHUUZjSFNZRWRWOEZ1WXp5c2pPR1VfRTNWa1cwd3dOU2lhei1SSlVuUnFZanAwak8zVnB1eVhURy02eXZNM01zVW5NRWVEUDNQQkZkN1NROHRlcUpXS1c5TzVWT1FtdTJjbFpES3BtcWo0b0tRLUVHSmZ5ZXF6Z3prN2hRRlNkcHVsX0lIMmlhNDdZbnJka0tB?oc=5) · Banking Dive
- 2023-11-07 [Tuscaloosa’s Alabama ONE Credit Union Announces Major Growth to East - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMingFBVV95cUxPNWRCVEVHaVU3d0hrazNBeGFraDN4WUhaNmZuWk01VDBZRkFnazZxNDBzZ0Q1T2gxbnZ1cWFXMzdUZ0FJc25sQmtJUms0MU1oMUYzWWVTejVRNHpZckVBSjNYcmxzWWxuWE9hUkNzQ25tVEpRMGVxVlJHbXJLTzJCRW0tS0pSaDdwZE5tSW8xUGdqQmlyaXh3OG05bU1tdw?oc=5) · Tuscaloosa Thread
- 2023-11-07 [Alabama ONE Announces Acquisition Of First Bank Of Wadley - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbGdZMWhtSDFPSEFvRlNNLXJvdkJ1R3g5Qk9CRUJqYVlQaEpMT293ZU5WdG83dHZSMWZvSnpKYjlLRVFUQzlZTW0ybFBmRFpZUUU5Um9oek5kQmdFX3cwYlZlSzVhdzRQemVabnliX2Y1QURxbzBwQzFLcnV4VUItejBNTlRqS3NQczIybUJ2VzdVdw?oc=5) · Patch
- 2021-12-28 [Alabama One emerges back from the brink - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE1IazUydmNPRUNVOWwydkhDczFhM1JiNkpnTk9DeXUtV20tN19fbTJRd0VpSHllWUdrMWxXcTZhNl85RC11UXRPZjdNRkNMc2JmLTRyREJWQk9ZalN1b01vRHA5VXpOTHhVSlY2RkFkeXNfTXpxcjdJ?oc=5) · Business Alabama Magazine
- 2012-09-20 [Big Buck Project takes whitetail-deer stocking to new level in Marengo County - AL.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE15am5aWC1RMGZ3ZTRiaUMtR09FNTFKcmlUOGRDRmdqWWRhbUpKWkZmTzU3elh4RDNSNnBlVXp3a013dXZvczdfcWdqZVBSZWczbnEwQnhQYV85OTFib1lNYThQVndwWGJkemZ3eGpqNXVjbVZkNkFkXw?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15695 (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/15.json (key "15695", 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