# TIPPINS BANK
CLAXTON, GA · FDIC certificate 15769 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $60.1M | |
| Deposits | $52.9M | |
| Loans and leases | $31.1M | |
| Total equity | $6.9M | |
| Loans / deposits | 57.66% (p26 of band) | 70.28% |
| Liquid assets / assets | 44.41% (p71 of band) | |
| Uninsured deposits / deposits | 11.86% (p68 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p50 of band) | 9.92% |
| Unrealized securities loss / equity | 1.37% (p33 of band) | 3.23% |
| AOCI / equity | 1.56% (p54 of band) | |
| ROA (annualized) | -0.01% (p17 of band) | 0.69% |
| Net interest margin | 3.94% (p55 of band) | 3.86% |
| Efficiency ratio | 66.24% (p32 of band) | |
| Noncurrent loans | 1.33% (p49 of band) | 1.38% |
| Net charge-offs (annualized) | 0.58% (p79 of band) | |
| Reserve coverage of noncurrent | 140.10% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 24.78% (p59 of band) | |
| Auto loans | $239,000 (0.77% of loans; DQ 2.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 18 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | losing money |  |

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

- 2016-08-22 [GB Bank Group names 3 to advisory board - Statesboro Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxOb21Deml4MG5rbGd3ZzQ3LVQxaFJOTjRuYy1Kb0JycnhCUTQxcXZXU3E5bzNSbEZsY0syelUwQi1OeHp6cGFBU2pUV3FvSGVEQlVZZXZLRnduTDMyRlR6ejN1UXpaM0F5WlVCR3hObTVHUEtfd1h6QVJIQWdlZDF6LUM2UklaeUlqTHUxVzEtZXlyUQ?oc=5) · Statesboro Herald
- 2023-04-14 [Obituary information for Barbara Ann Olsson - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTFBqUnNpZzBzTndEUHBmWU5jWDF1Ml9XVUFTWV8wZzB2QmhKZW1rZ3JlRm9NWk15QXMtbC1PdVNfMFV6Q3B5aDlPR0h2MVpkbW5uS2hXZHExa0xudVJEbDk0dlFiQVlUQnVlOTYzQVJUaWJhdm9JS3Q0WmxJdVVvdzQ?oc=5) · Joiner-Anderson Funeral Home
- 2010-07-25 [Newsmakers - Savannah Morning News](https://news.google.com/rss/articles/CBMifkFVX3lxTE9Zc0ZsMEJnNFdYbG9tQ2FFZ0NFVmJuQWhZUE1YcS1CQXFRdU9NOWxLSG1WUUNiaHV0Q0REU0xxVDhRczhmWEtNeExuRkNQOHJmdnBwcHpFN1VOeHY2TEtaeXdjT1NvZEVxQXBnVHZKUDNJTmN2cEJYTXI3czZhQQ?oc=5) · Savannah Morning News
- 2015-03-30 [Glennville banking on Boro - Statesboro Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWWtVc1U1S2dVVmk2WmxZYldyWk9hekgxWENCNG5BSzZJV0RLaTJDTVJzbVh0WW0tT2lKSmFLREQzLTFfT1o1ckZpN0lhNmIzQ1lXemJIRE0td3hWM3JFV2hHWk5oT2xtczNHUzd5a0xHZldjRVZsTWNCRXA3aFJ4cQ?oc=5) · Statesboro Herald
- 2016-12-22 [Anne DeLoach Obituary - Statesboro, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZXRfZVh1M01MUWIzay1NV0thVjNLTjdPVnRucGJpb2FWMEV6LU5UeWR0OE44Q0htdDRfdTVWTk9sZU9oaEFLNVN6M0RObnExdGpjWVRxV19XT2dSOE1mOFc2UVQ3TmdLUUtoTWVGeGZXRXU2cDBCZzNpRnU5bl9rcFM3Yw?oc=5) · Dignity Memorial
- 2009-02-10 [Viola Rogers Obituary (2009) - Claxton, GA - Savannah Morning News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRV9oendHQ09ZUmlwMDlVUnJaNHZ6TU5qSkxMV3Bpc1hUVWZ4WE53MkNvUDdPS1FlcHF5V2ZOMml0ZTVCbHY5RFNiUDlGZU4zMnh4aXNiMGtYamlZRkVNaUlwckV2czVadDc0ZGdaVXNWZmtzeG5jeVI2YkE5QVd0NmN6OFV4cEU2aEJJVQ?oc=5) · legacy.com
- 2015-09-28 [Glennville Bank in Statesboro set to open Thursday - Statesboro Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdjR5LUJsV1Rid0lGcF9WN1EzUHRnaUQ3U2NZZ0VVX0pwS3ZoZjJxcGhpT0d4ZXhQUk5GRkFpNlhWZjVaVnBuZ1N0ZFBKS2MtX2MwVjZPSldFWGE3RE41MkwzdGdoM3pQeHJIVG1uTi1WaXZuUlExcFA3SGhsbURpLWRMcnRzbnRUSHl6NldqYnBIUGhz?oc=5) · Statesboro Herald
- 2012-12-30 [Daniel Strickland Obituary (2012) - Claxton, GA - Savannah Morning News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYzlsWi1SU1RoZktnSGRsc3h0d2tsdVZLd3pHdTNRbkFYdngyRzVKd3g2UUJfeTdiZjVoTlFpN1l3czJLRXh5NkNTRW9kOUhSWjFUUFdNVmJMMlZQMEpweS0zWUlYaTBscU90T2hrUjA2Z1NaVnRDZVlKM2pCNjV3dmhNdmVhdW01N2V3Yko3eWt4NUk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15769 (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/25.json (key "15769", 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