# FOUR COUNTY BANK
ALLENTOWN, GA · FDIC certificate 15904 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $87.1M | |
| Deposits | $75.4M | |
| Loans and leases | $59.8M | |
| Total equity | $11.3M | |
| Loans / deposits | 77.55% (p58 of band) | 73.59% |
| Liquid assets / assets | 31.14% (p47 of band) | |
| Uninsured deposits / deposits | 9.69% (p13 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.83% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -9.55% (p41 of band) | -6.57% |
| AOCI / equity | -0.65% (p38 of band) | |
| ROA (annualized) | 1.94% (p84 of band) | 1.17% |
| Net interest margin | 4.77% (p85 of band) | 3.93% |
| Efficiency ratio | 56.34% (p26 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.32% (p95 of band) | |
| Reserve coverage of noncurrent | 324.32% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 25.00% (p59 of band) | |
| Auto loans | $325,000 (0.54% of loans; DQ 11.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  | leverage <7%, leverage <5% |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | losing money, charge-offs p90, reserve under noncurrent |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 1 | assets shrinking |  |
| 2013-03 | 0 |  | assets shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | charge-offs p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

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

- 2021-04-19 [Bank loses $100,000 due to failure to file timely continuation statement - Wolters Kluwer](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN0VEdWFJTDZjTDc5M3BDV0V5Ml9PSmJ2cWV2T25aaHl3N1FjVHR0dlhranpKTHRqZmNNWXpLQkZPQ2VhQzBUc3kwWVR3S2ktVmtFc3pXc2IwUWxWQmxRSjFNUGlONVJhaDNQVTBZMmk5ckFSejNrcElNY25GVmowTnpPNGQ?oc=5) · Wolters Kluwer
- 2021-11-11 [Louise Pursley Obituary (1923 - 2021) - Milledgeville, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSUg0TkVMbTRjR281VkJjVmcyMndCdUc2MU9CM3VLMXR5WkZzNXpQWFZLeTkwd2lPdkgwZjU5Z0tmdVZIdFUwVnBuX1lmSXBidVlLSWc0OWUwcDRYYThCVVp5bmNoMlZwVUowQUlOYTBHaXRBemowcDNHRnJpQVhla1hrUS1pWVFxNl9z?oc=5) · legacy.com
- 2021-11-17 [Obits: 11/10–11/16 - Baldwin2K](https://news.google.com/rss/articles/CBMic0FVX3lxTE4wVWtkcVowYTd4TlNHTThLSm9HeDVnU1h0d3BTX0dyb0dnZC1fbXp4SVIxS0M4VUJ4b0lZeVJCYVNvMWI4MV9nLXdmX21BYlI5ZG9mVWdaYnM0OHBlRDV1S0U3bE9tVzVCNE5GTk44cFlKWlU?oc=5) · Baldwin2K
- 2021-10-10 [Willis Allen Obituary (2002) - Irwinton, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPT3NvRXgxZVAwYnVreXZ0TkNqS0dFdjhTZUxLeDdOT3pka2QtSU1TeGRJTm1uNVNqcVlUdTM5d0hhaFdWb2ktcGRwa3lEVThSMlBOM2tLWHE3YWx4RlNMc28wZWJoVjgwRUdYcE81VWdoSTkyTFJxWnFYZ2dSNDh5RmpkelB5bW9l?oc=5) · legacy.com
- 2009-07-02 [Alfred Land Obituary (2009) - Allentown, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYkNtb0FlQ3lPLUtjaGtHRGRLYmhIQ1FXdVNrYkhwVEtRakk2aGRnQTY2bE9lZjI2eVhBanpxSEdjRWFZNkFDSUZ0ejhyLU5XUDZYNFd3R1NCdHZuaWVuQmVfZVN0WTlrZ2hBV1ZHMHYyTDM4amhzWEs4YWVzdU9fTmRBUnVUQjA?oc=5) · legacy.com
- 2011-07-26 [Marian Massalon Obituary (2011) - Atlanta, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTXprbHgzS2lOc2dtZnhiZjZYM25qUlp2WnhfUGt3cHZoUFIzWGsycWFidmR3eXJTRWhhaFRMaUk4U0ZMX3ZjcnJZOWRvZHQ3Z0VKTzg1VXZzX2J4VGlpZExvWmFmTkRhdVZoUGVCUFY5LUw1eDVQeHlUeS03Ym4wRlZpUjVOWDVVS3BZeQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15904 (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/32.json (key "15904", 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