# TALLAHATCHIE COUNTY BANK
CHARLESTON, MS · FDIC certificate 16567 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $56.3M | |
| Deposits | $50.1M | |
| Loans and leases | $20.1M | |
| Total equity | $6.2M | |
| Loans / deposits | 39.52% (p9 of band) | 75.88% |
| Liquid assets / assets | 63.54% (p92 of band) | |
| Uninsured deposits / deposits | 28.98% (p88 of band) | 15.42% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.57% (p44 of band) | 10.88% |
| Unrealized securities loss / equity | -6.32% (p5 of band) | -0.66% |
| AOCI / equity | 0.00% (p44 of band) | |
| ROA (annualized) | 0.56% (p30 of band) | 0.85% |
| Net interest margin | 3.28% (p26 of band) | 3.74% |
| Efficiency ratio | 83.41% (p80 of band) | |
| Noncurrent loans | 4.52% (p96 of band) | 0.56% |
| Net charge-offs (annualized) | 0.14% (p79 of band) | |
| Reserve coverage of noncurrent | 30.40% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.1% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2014-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 3 | charge-offs p90 | capital falling |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | charge-offs p90, deposits shrinking | noncurrent p90 |
| 2017-09 | 2 | noncurrent p90 | charge-offs p90, deposits shrinking |
| 2017-12 | 2 |  |  |

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

- 2018-01-05 [Bank of Commerce Purchasing Tallahatchie County Bank - Delta Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcWJ3aXo4dEg2czNWZnBTNS1Bc0lqdTByZ1lDSnpfeWtmbi0xUFV4bzdPRGw5U2pYMTZnbUNXVlEwQzc4WUJ1TXlYazB4TjNXcXpoSHl0cncwakloVVJRc1FCRkpzbXBFeDFfZllUZ0x5WFFyU1NuWVF0Z25CS1BvRmJFazFORjlsVUkw?oc=5) · Delta Business Journal
- 2013-08-26 [David Harkness Obituary - Jackson, MS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOb1FVY2FmTUZSTGxOaWJfZ1Fyd2t2WWN3THFvbktkeU9iYV9pS3pMalR3VG5BaXhNNG9yQlU5NkFFQ1pqQVBrR1ZUU3JzM2NrRnplNlVBTEJ2ZzgzVEJZaTVGUWxVZ21sczZaZUdJdU1YZFJ6aTR2VkpnQjBaaC1iY3h3?oc=5) · Dignity Memorial
- 2018-09-13 [What happened to the key figures in the Emmett Till case? - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOeVQ3dzY0Z2JWZUIyZFlldWg4cUZhbDlFRnJUalp4TkR5WVhsamhJLWNFV0JnYlp2VWtXeFhXaS1jalBzQXFSdTd4Njh2cERBYW55MXBjb2RoUTRlZG52VGpYenl0YkZsNGdsQmNIdHlRSkhOclJhbnVOenJWQmZrQ050d1BkdHVXZWtBc1FIOWJyWkpGTW9PRmdCbEtMQ1E5QVdzU0xyTnREUQ?oc=5) · The Clarion-Ledger
- 2008-02-11 [John Burnett Obituary (2008) - Jackson, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMWdGSmt3ZkVaT0YtdldIY2xQRFRUX05vaVFxUXpEaDU3bUlYME9BRk94aUIxaXR5STJRQXR4WGszWjhnTFdHV3c3VEU4c1FyT2RyRVBJcjJTX0xMMWtaTmtwRmwycmRCZWRBSW5oakZfYWpGRC1McFhNWjRUSC1vd1Zxenh5ZHBPYWJvY2lWV1E5N28?oc=5) · legacy.com
- 2008-02-12 [John Burnett Obituary (2008) - Memphis, TN - The Commercial Appeal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRUxid1ZFZUlGZGlmaFZvSjNweHFNS056UERYTDRpN21jNFgza3p4eDBOa1lHLVBicWpHTVo2TDZVMWJidkk1d0FhbW9vMklMM1gybXV5MGs3TlQ5bjVNRFFrcHpGWTZGSFNUX01lZ3pHUmRLbUdnN2JTNmMxX0kxU2R0WU5nZVdWZmJIbENBa3daUW9XMVRV?oc=5) · legacy.com
- 2014-02-27 [Widow of Emmett Till killer dies quietly, notoriously - USA Today](https://news.google.com/rss/articles/CBMikgFBVV95cUxOelNiM2JyN3Y0MEJDbDNwOHQ2ZU5uOUl4ZjJtUGh5Y2doelBpSWx5WTEtS0ZmVGZjNURNUjlTT2k3R1FiQUZJaDZyYXRCZEt2dkgwNldSajZCSUFJbDdOVzBhOVdYcmxQalNrZmZ1UkdJOS1FYkFwenBRTmhRUEwwWW9MOUJpY3FzVEF5QUV4Q1hDUQ?oc=5) · USA Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16567 (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/55.json (key "16567", 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