# NORTHEAST GEORGIA BANK
LAVONIA, GA · FDIC certificate 15771 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $650.6M | |
| Deposits | $562.9M | |
| Loans and leases | $338.0M | |
| Total equity | $81.1M | |
| Loans / deposits | 59.10% (p12 of band) | 82.04% |
| Liquid assets / assets | 44.57% (p88 of band) | |
| Uninsured deposits / deposits | 26.26% (p52 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.51% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.41% (p82 of band) | 10.81% |
| Unrealized securities loss / equity | -8.74% (p48 of band) | -8.10% |
| AOCI / equity | -1.32% (p16 of band) | |
| ROA (annualized) | 2.59% (p96 of band) | 1.28% |
| Net interest margin | 4.72% (p88 of band) | 3.91% |
| Efficiency ratio | 42.39% (p7 of band) | |
| Noncurrent loans | 0.01% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 11204.26% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 84.24% (p80 of band) | |
| Auto loans | $3.7M (1.09% of loans; DQ 3.64%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 91 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 4 | losing money, noncurrent p90 | charge-offs p90 |
| 2011-12 | 6 | capital falling, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2012-03 | 1 |  | construction >100% equity, losing money, capital falling, expense ratio p90, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, reserve under noncurrent |  |
| 2016-06 | 0 |  | capital falling, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2022-05-12 [Margaret Ayers Celebrates 78 Years at Northeast Georgia Bank - 92.1 WLHR](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUTNXY3pqUnlpd3otaEpqQUhqeVB2UXFMdkd1eThhZy1qSjZpeE9iUFJob0RwWk9IbVk2dGhReU5lWFllOXVxZm82aXZzSGdIc3B2Z08temc4NnRUOXFCeS1CSmxQaEpuY1BRQUdDMjhMa1dMdVlhWGFtR3hwck82bnQ2OVdYMUFl?oc=5) · 92.1 WLHR
- 2009-03-07 [Regulators shut bank in Georgia; 17 failures so far this year - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5EN05Ka3ljUXRBczBZRmxoZ1BwWGNsUWlpeF85bTM3MWEzcXBqeUJxWkl2c3M0a2VPcWdZaTJTVUNDaXJzTWQwTE5tRWRVVXpieHM5NkozbmpzQzRfb1VYbDFB0gFnQVVfeXFMUDhhVEZ1YWNMZVVtaS0wYllkVGJFUFpoVzRmSVFUZUd3enAyWDVLOERLd1lEeEw1aEhfVlNjdEd2cHpDeFA5ZVhTckNBZWlZbU55VGItazZfN2VpbzB2U1ZmUGI2MkdzZw?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2024-08-20 [Signed Notes of Picturesque Lavonia - Numismatic News](https://news.google.com/rss/articles/CBMihAFBVV95cUxQNmVpaXFJSjBfQmE2T3YzNkpsVWYyaUhLUWpiSlNnMHVQVE1OOEVWbmJQamt3QUtHY0pVb0t3c0lmdGEyWnR3b0dHOENDTGhkY3lQZkZpYk95UUh2amVYMW1FRjZ2d2dITVBxU0lsQ29rcHFFMEFpVUZ2cDZ6LVNlbFpCR18?oc=5) · Numismatic News
- 2021-08-15 [South Carolina man wanted for robbing two Georgia banks this week, police say - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNFREbHRRU3RadVN4Qmd3V180c0hiWkZLSUZLRVVfbmRJVFltbEVaazZYRURySzNJSzZnREJaUlhjOG9PQUlHYzNVZzNOeDd1M254dmNMc2VpMGtZbkxrUHViNmIxTmFBdVRYUXhDOHRaUnpKUjkydU5UY1VTSnN0UDdoQldNcjdHa2tNTmFYWmpOOUNFMWNQZ09LS2dxbHRZazFVQkJEZ3hQT1RoUFE?oc=5) · FOX 5 Atlanta
- 2021-11-08 [Jackson County deputy shot while responding to domestic call dies, sheriff says - 11Alive.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOOUxnSHczNVA0azItRUpWcHMyRVlRd1p3NkpvemVwMW9uSllKR1ppSFhONEE0WWhSLWlnVFVYRFEzMFFaN01PSGNGUncwUlhSNWJ6Qmp4dWg0djJOQnl4cUp5VEU2RE03dnRmSVpnaFo3NUd4UThYWmVkclR3SVl0bnJpd3hObXJPdlZsMjI4ZUdsVExaSlNxSjJGcXpoTlVRNHF3dWZMNlBVaENLYy1ZQjlBbU8td2hrZkpYLWpxQ0RXZ2ZrZklpQ3lfMzRUM25vaUZaUUdhMA?oc=5) · 11Alive.com
- 2023-10-12 [Margaret Lee Ayers - Independent Mail](https://news.google.com/rss/articles/CBMiaEFVX3lxTE8zcHJkVmVwT21Kc2NrUHpyUW85alU0T25Mb1VTTVZpM2RUZU81SEVxWmxXblJPdnhmUzZwVjU5eTZvVktTNGRTc3M2WDFJQ09HNW5aNXNMUHlsWHJWYkYtR1Q4dUZtZFNh?oc=5) · Independent Mail
- 2017-07-26 [Woman accused of Washington County bank robbery has long holdup record - The Herald-Mail](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOWVJwMEhJMlkxdG8zcGRCNnBhR0RFakM3Um13THJ5cHVhWDJYM0xOb09aa3F1elR6S1lYUVhZN3BDQW1aMVdJQjB3alZ1ZVNzYUJzTWVJNW93MjNQb0xPODNQZ1UtQkJnTjA0S29rbHRVSjZrM2gteGc3YlpfMzdNd1poMm9iTlJjWjI4cW1FS3g0QlZnTTZqa0FLd0dKWUNCX01HNnlobU5PajNBM3dXdlQzV0tmOWtnSEQ0aUEwX1VXcE5rclhNR3o2QkJpVThqM0R3ZFlFUmM?oc=5) · The Herald-Mail
- 2014-05-12 [Margaret Ayers Celebrates 70 Years as Northeast Georgia Bank Employee - 92.1 WLHR](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaWRERkRVWGYtcjJXakZPSkJDQWM0U21mZWxtVjhvaThhZFhydmxJNHRkbmJfVkNkTzFjV3pXbDN5dUlyaEpfTHlQaFdzcGdZb0NOSHphN25jQ3R1NlRORmh5TU9SakRqN21hSlQxNjh2dXQwa3hxX0dCUDY2UU9Zdk90MWwwWUY3RjBucFhvWWpoU0N5?oc=5) · 92.1 WLHR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15771 (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/27.json (key "15771", 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