# PINELAND BANK
ALMA, GA · FDIC certificate 15699 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $597.1M | |
| Deposits | $532.6M | |
| Loans and leases | $423.7M | |
| Total equity | $60.4M | |
| Loans / deposits | 78.17% (p42 of band) | 82.04% |
| Liquid assets / assets | 26.78% (p55 of band) | |
| Uninsured deposits / deposits | 26.33% (p52 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.48% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -0.88% (p87 of band) | -8.10% |
| AOCI / equity | -0.86% (p27 of band) | |
| ROA (annualized) | 1.66% (p73 of band) | 1.28% |
| Net interest margin | 5.15% (p95 of band) | 3.91% |
| Efficiency ratio | 56.49% (p34 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 355.44% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 75.03% (p75 of band) | |
| Auto loans | $1.0M (0.24% of loans; DQ 2.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 97 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 4 | losing money, charge-offs p90 | uninsured deposits leaving |
| 2012-09 | 5 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2012-12 | 5 | deposits shrinking, assets shrinking | losing money, capital falling |
| 2013-03 | 3 | losing money | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-06 | 6 | capital falling, expense ratio p90, charge-offs p90 |  |
| 2013-09 | 5 |  | capital falling |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 |  | charge-offs p90 |
| 2014-06 | 3 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 3 | charge-offs p90 |  |
| 2015-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2015-06 | 2 | noncurrent p90 |  |
| 2015-09 | 2 | capital falling | noncurrent p90 |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking |  |
| 2018-03 | 3 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90, assets shrinking |
| 2018-06 | 0 |  | deposits shrinking, reserve under noncurrent, uninsured deposits leaving |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 0 |  | capital falling, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 0 |  | capital falling, charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

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

- 2025-10-07 [Herin joins Pineland Bank - - Metter Advertiser](https://news.google.com/rss/articles/CBMifkFVX3lxTFBFLTNocmRBV1FwamxVRGFlUnJuN2NySlgtUkcwdm1ZTGlZajdiVzJFSm1Ud05sTk9mdUY3MGI5d2NJRE5QbktqaGpfYkpJYllWMjhkNF90RDRmLVIwRVB0TVRCQmZ2anB5RzdNaTJ2MEx0N3Q0R0ZGV1dkM0hfQQ?oc=5) · - Metter Advertiser
- 2023-10-04 [News | Space-Age, Modernist Bank Branch in Rural Georgia Poses Mystery for Architectural Historian - costar.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPbTBMb19Qbk5ReXVVUmg0UDg3RXdMRWpmU2pTV0lmVWt3WnlXSlhwZTlGNWJrU2gtUWRDWDJmYnJSN0o4LXJCVGxPN2hCYVlnMDRpUFpxd0g2U2dOMmNaLTVTNXdlMmFjdUEwcm41VVRKYkI4ZThZM2ptTzlYQm8zYUxaX0RUcktYV3hvaC13MUFiOG5wQTBTdGNwdWh2dzhzN1NzWVktUk9VM24zX1ExWjJNbUVPd2NoQU13dDlzM01oLUw0MkJDRzRnR1A?oc=5) · costar.com
- 2024-06-23 [40 Under 40 – Amanda Moore - tribune-georgian.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1aelA2Q2djYU15WWRVSFUwcUdhQnZHQkZPSldKcDdqN2diWGxJLTBqeWI1ZTdZUWdpOWhBbVJpbjd0QWxkQnItZkVmd3VZU2RYOF9MN181RU9fS3VnaDVrTXN3SVJGV3RmZ0dqamFzYm5BUng1?oc=5) · tribune-georgian.com
- 2025-05-27 [Fraud Alert: Credit card skimmer devices found on ATMs in Coastal Georgia - WJCL](https://news.google.com/rss/articles/CBMifkFVX3lxTFBLbFh3YUJrcmNVYmlCRnZCMnRZRjMtbTkyM0tack5GYnBzd0pxSlF1cURkeHZXTC1YNm54T0dJbnVIQ1lob3MyOWt2ZjV0d1pGRmNTZ2FtcnBCdWlKS0F2bWs2VTYzVHFsdm1Ma18tM25lengtQmJJSi1jWHB4dw?oc=5) · WJCL
- 2026-04-28 [Pineland Bank featured in Forbes & Fortune magazine - - Metter Advertiser](https://news.google.com/rss/articles/CBMingFBVV95cUxQb3RJZE0zSmhXbE9rUVh6YTAtMG5UYzBaQVhJOEduMjlRek5Tak5XajJYOWg4Zm5OQVREWDJpM3VSX3gzOGJCMEZtd1owa1BNSkl3cU5EUG10Z1p3SnVFQi1xMmJVWVJrbWEzTVEweHc4eDBYSjdtdlFjU1c5RXNCdEpUQUZTMng4enN5eWsxZGkxMjNGLVdBR0t1SGRuUQ?oc=5) · - Metter Advertiser
- 2018-06-21 ['Justice will be served': Community reacts to man shot, killed by officer in Kingsland - firstcoastnews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNMlctQVYzdTA2OUs4NDRRN0JEQmg2Ukhfc2M0dUFWUFVqZFowZkNaSHI3cW0wSW9CckRoamFwdUw2NlVzQzZ2WXItZGxYaGFTbGhiU0xESHNReW1lU2NCM2I4SGhVaUlobXdFelZ1UmlRRjg1MllGVHp6RExBZVZ3dFYyNE82M2JLTTBIVncwWkV1MVhCekl0V2VLblZOVnZoTFBBd2lPOWRfQXN1SjFjQkZlbWUyeDdXV1l5RVBib0l3X3N1UEhRaVpXTjF3ZkRQVnpUa1N0ZVo0dHRFWDVDLUwtSDFjbmth?oc=5) · firstcoastnews.com
- 2022-01-08 [Officer arrested following Kingsland shooting death - The Florida Times-Union](https://news.google.com/rss/articles/CBMizwFBVV95cUxPUlpPeVBQVUVUckRSUHdDX0pMSENZbDdCZ2duaTh0am1KejYtVHVQU1dVSWoxUUFETzJhcndCWjFvMlREVDliZVJzN0JBaS1vOFZIbkt0T2Rwdkc1ODlRTU9iX29zd3NBRTV2NmZPcXlZTWFZbEgycHFLMmNxMDhNSWdJaWhTYWJzODc5SjZoa08xVS1kYzFXS1N2Y1BwNEN0YmVnNlNyalBydnVnYzBDRVJnTXdmLWNIM2QyOFBST2c0TWVMY0ktWVNsWnc1UDA?oc=5) · The Florida Times-Union
- 2026-01-21 [Betty Crosby Obituary (2026) - Kingsland, GA - Tribune & Georgian - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOaE5rMGNvcS0tdk1YTzU2aDFibExsbEhtempURzlWZkZOMVFFZUo1bFIzbTFVNUpFTjVnTndjb044b3F4eXhTQUxiTUYwNmFsblk5cVMyS290QTlYX2Y0SGJZZWhQdTBsOXFGekVjaWlITExyLTdhN0ZkRkhmRnJlcmZjVTRra05mam9JVTR6clB2WTAxNmxr?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15699 (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/19.json (key "15699", 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