# WHEELER COUNTY STATE BANK
ALAMO, GA · FDIC certificate 16228 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $170.0M | |
| Deposits | $146.1M | |
| Loans and leases | $97.0M | |
| Total equity | $22.8M | |
| Loans / deposits | 65.38% (p37 of band) | 73.21% |
| Liquid assets / assets | 43.04% (p68 of band) | |
| Uninsured deposits / deposits | 37.78% (p91 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.91% (p71 of band) | 11.56% |
| Unrealized securities loss / equity | -0.20% (p80 of band) | -6.10% |
| AOCI / equity | -0.01% (p2 of band) | |
| ROA (annualized) | 1.00% (p47 of band) | 1.04% |
| Net interest margin | 4.96% (p89 of band) | 3.83% |
| Efficiency ratio | 79.13% (p74 of band) | |
| Noncurrent loans | 0.20% (p42 of band) | 0.34% |
| Net charge-offs (annualized) | 0.05% (p75 of band) | |
| Reserve coverage of noncurrent | 753.16% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 51.73% (p79 of band) | |
| Auto loans | $574,000 (0.59% of loans; DQ 0.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.7% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 0 |  | deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |

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

- 2010-04-16 [Governor Perdue announces executive appointments - WTVM.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObUFZOEJpWGRxTjFCTmV1bVl6eVhRU0Z6d1o1ZFpSZjBwdy1PNTVvSkV5VU1tZUk4UURrZ0VRcEpicl84aTVLdzh5MWxnLWYtcFRtdGZjVnVGRDJqT2lfcndnN1dwLXk0aEVLRkU4cGprc3loaTBnQkxNNUZySzNMT2pOSzJpbXdVWkJjemRB0gGgAUFVX3lxTE9KWjZtYkJnWmJDTGhLM2trVHhmSm5LSFRwMm5lRzE3UHZNVDhoRklISEdjOHJYekw5bTdJcVFBV3l1LWJXS3pBN3ZtNGxGSW0xMjN6MGdTeTZsWlE2SGxrb3g1akZuYnozeGpWWkFLNzhaZlk4T0FVZ2g3NGo2eUdIUFlYejdxeVZrMmdFMkJtbS1kbUxtNDlBRW53ZU44MEw?oc=5) · WTVM.com
- 2018-10-30 [Avis Bell Obituary (2018) - Alamo, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPS09hNkw3YmZ1dVhXYWRRbDlfQXBtN1hTMF90NTBDdGFaYzJlS2JJMEh2UlVMenRFY2h6dmZFbml6OEVjb0piSzktekJpZTg2aWhkMGNYb1NjemRfN1drV0N2U2pVTVRKSEljVzZMVFdNLWVLZnViRnVlc1dLQTdhOVZsXzg?oc=5) · legacy.com
- 2024-11-01 [Bonnie Aspinwall Obituary - Jacksonville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxNeUZyMXFQM3JhUHRGV3hYU2hXZEdsWElJcjJON2RVdUR6STBFcTNNOE8zVmNTWHQ1OWFEaDNmT3NDS2VEd0VOcWpIa0JieWc5Q0xGckd3YmNCNXd2TUI1ejNIVzg0ck5TMXpfTWJLRzF1SzFQTVdwTWt1VU5mTUlHeUVEc0tyb3NZREZKag?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16228 (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/36.json (key "16228", 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