# CLAXTON BANK
BELLVILLE, GA · FDIC certificate 15826 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $304.8M | |
| Deposits | $249.1M | |
| Loans and leases | $215.4M | |
| Total equity | $35.6M | |
| Loans / deposits | 85.21% (p59 of band) | 82.04% |
| Liquid assets / assets | 25.88% (p53 of band) | |
| Uninsured deposits / deposits | 27.95% (p59 of band) | 25.97% |
| Brokered deposits | 5.07% | |
| Wholesale funding | 10.98% (p80 of band) | |
| FHLB advances / assets | 5.91% | |
| Tier 1 leverage | 12.60% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -8.33% (p49 of band) | -8.10% |
| AOCI / equity | -0.50% (p41 of band) | |
| ROA (annualized) | 0.34% (p8 of band) | 1.28% |
| Net interest margin | 4.08% (p59 of band) | 3.91% |
| Efficiency ratio | 84.56% (p92 of band) | |
| Noncurrent loans | 2.51% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 56.88% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 72.45% (p73 of band) | |
| Auto loans | $139,000 (0.06% of loans; DQ 56.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 23.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | losing money |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | losing money, expense ratio p90 |  |
| 2013-06 | 1 |  | losing money, expense ratio p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 1 |  | charge-offs p90, capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | uninsured deposits leaving |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 | capital falling | uninsured deposits leaving |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | deposits shrinking, assets shrinking |  |
| 2019-03 | 5 | construction >100% equity |  |
| 2019-06 | 3 |  | deposits shrinking, assets shrinking |
| 2019-09 | 2 | charge-offs p90 | noncurrent p90, construction >100% equity |
| 2019-12 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2020-03 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 2 | capital falling | noncurrent p90, charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | reserve under noncurrent, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | charge-offs p90 | construction >100% equity, AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling, construction >100% equity | charge-offs p90 |
| 2023-09 | 3 | brokered >10% | capital falling |
| 2023-12 | 3 | expense ratio p90 | securities losses >30% of equity |
| 2024-03 | 2 | securities losses >30% of equity | brokered >10%, expense ratio p90 |
| 2024-06 | 0 |  | construction >100% equity, securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | brokered >10% |  |
| 2026-06 | 4 | expense ratio p90, noncurrent p90, reserve under noncurrent | brokered >10% |

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

- 2026-09-09 [The Claxton Bank Renovation Project Nears Completion - The Claxton Enterprise](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZVRCc3BDTlUxbnhuOWlqUXVDMDJWaGZITHJFaVYtNFZLQVJ1a1cxcE9yeW1iRUo4S2NtRHJuYkFqbUhtZTRPbVM5QkszZkRZeExMV2RFMWpELVljSGV4LVV6RHNsN1NNYWZTRHBXZzQweG1PcC02QWtOYzRwZ1NvTDVjYzRQUkJUQXZPbTJvOGh0a1pYcnJnUmhOMmM3Nmk2X2hTQ3RIM0J0Tkc5QUhXVlNR?oc=5) · The Claxton Enterprise
- 2026-07-10 [Wayne Collins Obituary (1948 - 2026) - Claxton, GA - The Claxton Enterprise - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWElWbDJIX3RocjdreWdfXzY4ZzNreXduUVBfMlpmTE9hUVc1Zk1uaEFFUDJ5a2xOamNKaU11WjYxX0tKT1NZcnhMdlhIbDA3N0hmX3dlSjN0WmpBOFpRSzJJS2NnMWlyTk1vYTZYYlZiQ1B2RjYwYVF3bDNtdndWcllmcF94d0daN1pobHNXUnZZY3M5dW11U2d3?oc=5) · legacy.com
- 2024-10-16 [The Claxton Bank (TCB) Expands into North Florida, Opens First Office & Branch in Downtown Jacksonville - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPcUJ2NU9IR21mdVZJNUtzblo4MDhZSnJFWnlZYVlRcURhRk1OZ1BsQXlubmlHaEc2NjFlWUZFNUVCLXRHbFRZVmZxSzc3WVlmN3Z5U2NXN0Mwb0llVGFDR1BvS1FlTlNlM2VHM0dYTW1ReVlDM3pBbTRBdFNvck9IWlZWYVd4X2VLNnI2OWs0V0pLQVdyZ2RPNEczQWlSMWl6aG1LMFF5aEx6OFhETGhkODlHMG4wcnlZanJVUkQ1Y21FX1dxeDI5ZFhmanBBN2lPUDBXTy1MNnFySnFKVFhXUzBJdi1uQmozc1NZ?oc=5) · Business Wire
- 2024-10-16 [The Claxton Bank expands into Jacksonville in 1 Independent Square Downtown - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQMGpPdWJ3eVNNOVpCaHNYdGNqWUhXeUwzTktHNjFYeGhmbmVTYWN0SUtKV0dwVHl3VVFBT1l6YUQzMXhINGtERTB0WDRSbl9oNzhEM3RwWWxJZGFfQS1oUTgzVEhfSDZ2YUxaTFRydDY4N2ZEVmxaQnNVeGYwTEFzTU9raXl4WmluMGdjQ1BZbjVTU3Y2RThFcG1IYUpIemlMWS1haENvMks3QXgwdkNnVnNZU1Ata0ZTV2J2RUlNUkZ0Zw?oc=5) · Jacksonville Daily Record
- 2024-10-16 [Georgia-based bank expands into Jacksonville with $20 million boost - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR29fbXpXeVZaMFBvdTNVb3VTTHA2NDJnWEZ1TlpoLU4wOUZlNVVPbDlTLU5UcEx3cFVOMEdrMHQ3YzZrVW9CcFdXQWtGbFNjYlBEWjNCelVCTWdaUmp4ZW9sYVdzVGhrZnh2cE9IVlJWbVZISXZKUW1mVE1FUjNiM3MyTEFxZWpjODE2akUyQXliZmRtSzlSVko1am4xb1MyVXBn?oc=5) · The Business Journals
- 2024-11-01 [San Marco resident Scott Verlander leads The Claxton Bank’s expansion into North Florida with opening of Downtown branch - residentnews.net](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPeU9tWW9BUEhIUG5VckNaOUdfeGNKc2xVR3NVdHN3aTJKQXp1dzVKakdKdEJxYjBGS0J3ZjZyckEzdkpXaEM0bUVLWHBUNmJ6ajV2RFpKeWVIS1d2M24zRkJsSEp4Y2gtbXI2cUMwWmNWMEs0el9ZYjhsbE1HRmlITVZRNHhPSUhhRW5MUVdIaUtfWE9jalcxNVp2T0lhZjZMNzNYdVJMclRuOHZJakE0R1c4WFZuMUsyRExQNmhLTTZreFlxN1B5djNlbWdPRVUzWVVVV2oyN2xiLXBDWXc?oc=5) · residentnews.net
- 2025-01-08 [TCB focuses on small and midsize businesses, professional firms from Downtown office - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMizAFBVV95cUxPU1pPQ3dPXzljckpXcEN2S0tjTUxQWmp5RXNabVU2dVo1ZWkxUGNyV2Q0cE5HYWtDUkY2OVVDbG52cnMyZ01yMjBqa2xnanhMR2RDdlJ6SUVlMC15RUpZaVFhWGh0dGlSbmZKVE9BV1FScW1tOFpaX0piX2NMUFNMUDRxT3JVcUUxc01iaEtLaWlYU0tieHJkS1FoUGJhYVlNamRJN2FBUXhyckpRTnk0ZE1QMi1DZ2hnVTRzRS03QUF4OE5NamFZTFd2WXE?oc=5) · Jacksonville Daily Record
- 2023-11-01 [Investor Group Completes Majority Purchase in Southern Bankshares, Inc. - Business Wire](https://news.google.com/rss/articles/CBMixgFBVV95cUxQb1lKY3hnaXJXODFiWk1taWI2UHNfRVNiZTVPSzZRa1RRdTNvdHRybkRNM09HbE0wd2I5bkI4M1NYZ2FTMW5HUmxram14dWZ4RzdOcHF3VURrTEUtNG1TczN4cy1ub3Fqa0pXZkxtSGpZazVTbV9IcFFkVldSMjhRUE9LZC1PaDkwa1JFa2NWQ1FQTkt0X1hXYkZMTTFBTGRveVIwaE5xNk1CUDdIalU5dmJqT2JoekNTLXpwMHNDZk16Um03QkE?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15826 (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/18.json (key "15826", 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