# S BANK
GLENNVILLE, GA · FDIC certificate 15926 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**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 | $110.4M | |
| Deposits | $92.1M | |
| Loans and leases | $80.7M | |
| Total equity | $10.8M | |
| Loans / deposits | 85.87% (p70 of band) | 75.30% |
| Liquid assets / assets | 18.93% (p22 of band) | |
| Uninsured deposits / deposits | 14.61% (p51 of band) | 14.23% |
| Brokered deposits | 1.83% | |
| Wholesale funding | 8.13% (p77 of band) | |
| FHLB advances / assets | 5.25% | |
| Tier 1 leverage | 8.43% (p9 of band) | 10.87% |
| Unrealized securities loss / equity | -0.07% (p4 of band) | 1.65% |
| AOCI / equity | 1.01% (p57 of band) | |
| ROA (annualized) | 0.61% (p31 of band) | 0.88% |
| Net interest margin | 5.04% (p96 of band) | 3.67% |
| Efficiency ratio | 83.80% (p78 of band) | |
| Noncurrent loans | 2.06% (p81 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 98.85% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 68.61% (p88 of band) | |
| Auto loans | $81,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, charge-offs p90, capital falling |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | deposits shrinking, assets shrinking |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 2 | losing money, expense ratio p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 0 |  | losing money, expense ratio p90 |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | reserve under noncurrent | capital falling |
| 2016-09 | 1 |  |  |

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

- 2026-09-04 [U.S. Bank Expands Business Banking Footprint Across Florida, Georgia, Texas, and Arizona - FF News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcEF4M1hBcDZUSjNLTDBUcUxHSzBCd2tBeWFmWHJONE5nY19oMXlUM0VWTm5fLVVGS2FLbUQwajRIUmJXdUtIeTNLSl9PSENFNWF6LWtKa2p1ZWlaY3hDcHdYSF9oRkRJYWxyVWNQQUduWkFlU1A2OUhiNTY1U3dQUzBZS1MxVy1qX2lQTnlpY1lLR3RGUE9GX1lXbkRIOWNVQi1CSDhSR0RRLVZlMEFnNXRFRQ?oc=5) · FF News
- 2026-08-31 [For the first time, U.S. Bank is placing business bankers in Florida and Georgia - Stock Titan](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPM3RQSHBsc0RVcUhMQWV5TGpHVUNVRlRNMlNIT1RkVDV4dDMwdWl0b1pSZ0hGVWw2Z3A4MjlValM5UHd0U01IMEZPNmxKbUxFY1lxcUFHX3kwdGp5dDhDOGxUeWRRN1daLTdSMFZ2SllsdlhlcmVlZ2RjTFV4X2pDLWZKWHRXdG1LTUp3b0k0bjRNWFE4YUc1bE9CRFM2NjNzSEpPenVTUnViVXpFeExMSGJrMkNaUjMz?oc=5) · Stock Titan
- 2026-05-01 [Georgia bank closed by regulators, 2nd U.S. bank failure this year - BNO News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOUkYzSzJXVU9qbTZrYmhxNlR5VlVQYUtLY29UTnlQVjlHUXI0dG8wOXRkSXdpX3daaDh4WDdOVURVUEpINURKNzkzZWJ5Wm42cVJoUVFOX0lFM3RZQmhaeEhKN0JMTXg0SS16UFh2U2lqTFdTWGtScUNtc0k1d09NRXBBNnJHR3lDTjh3M0tiZUI4ZHFlWU9pa3JTTzNsZGV2N2Rtd0Izc2pRQQ?oc=5) · BNO News
- 2026-08-14 [Mary Mozell Williams Obituary (2026) - Thomasville, GA - Allen & Allen Funeral Home and Crematory - Thomasville - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdEVDUzhicnBvS04yUUxNdzE2bldBNkFfYjF5ZzZ6R3ZIdHhObVFMQXViN2dPNzh2MThWQ2xqN0xkbW5mamx5ZW9Rbi1XVGtFZzZUZTN2NVV2ZHNCSmFEQzdzS2ZYeXBZdFI2WXNlc0xyaVdtamwtSm9sTTRGZ0VXd0Fn?oc=5) · Legacy obituary
- 2025-12-07 [Debra Brown Weil - Obituary - Fitzgerald, GA - Paulk Funeral Home - CurrentObituary.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBUM1QyNnhZSVNBRmt2dU1tdFd5Qk1QN2t3SUZOODBFT3dIN1pmVHZuaEYwaG1UMThidV9kT2hmOVlEejJ1dkp0R0o5ZjF6RnMzSDJGdlkzZ0lKM1ZxcU0w?oc=5) · CurrentObituary.com
- 2026-09-01 [U.S. Bank Expands Business Banking Team Into Florida & Georgia, Accelerates Growth in Texas & Arizona - MonitorDaily](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPWWFSRjFSQ2VNbUJjdGVPQ0txNlRSWWJINk9wU1Q3WjUwcDAtQW5xSGdxN0tfeTBYZVpfejJiRmJHOHdfRDhDaFhfaDV5UnpXVjhGbVBPLUJZbG40UTFRVGtoQjROcnV0TUEtZ3NwM3lyYnNyS28yYTlvWmJuQTFJcm1aQ0JITW5sYXg3dG53SEhSUVV6VGdDU01ua016SHRkc0Z0RzM2WXZFRlRKUTlNanN0LV9OdVI3MjZrbzFjSXFXdzA?oc=5) · MonitorDaily
- 2026-05-10 [Willie Mildred Powell Obituary May 10, 2026 - McCullough Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5XY295dWJxWHJKTWUxejRLbWZ1am0yUDhFR0ZkNHNXWGRNNFhFRzdXaEZzbUpNcG9Va2lPMEtmUFJqWU95ZHZfcVM5SWdyQlZhNG9ha0EwSTZXSnZDNEVOZDdGOA?oc=5) · McCullough Funeral Home
- 2022-03-10 [Atlanta Streets: When Roads Become Walls - Atlanta History Center](https://news.google.com/rss/articles/CBMikAFBVV95cUxOQV9KZy1kV2RlZWd4TXR0b1RLaGZXUi1sRm1IemhJMzZRYnU1ODBlVDJnZTdBZTlaY0VUQ0xlYWdqX0tqR2NuVGd5MVMzTmZvX0pXSkgxWXgzcnBHU1VDUDV6NnFQTWZaNHNVSTREbXVYTFlnWHZmTnM3Z25tX01ES0Nnd1lqaVpjNWJRNGVpVG8?oc=5) · Atlanta History Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15926 (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/54.json (key "15926", 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