# GREAT OAKS BANK
RICHMOND HILL, GA · FDIC certificate 16780 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $422.0M | |
| Deposits | $374.4M | |
| Loans and leases | $278.3M | |
| Total equity | $41.0M | |
| Loans / deposits | 73.24% (p31 of band) | 82.04% |
| Liquid assets / assets | 31.05% (p66 of band) | |
| Uninsured deposits / deposits | 27.42% (p57 of band) | 25.97% |
| Brokered deposits | 3.55% | |
| Wholesale funding | 3.55% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.25% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -5.36% (p60 of band) | -8.10% |
| AOCI / equity | 0.29% (p89 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 4.52% (p83 of band) | 3.91% |
| Efficiency ratio | 68.60% (p70 of band) | |
| Noncurrent loans | 0.10% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 1398.63% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 66.64% (p69 of band) | |
| Auto loans | $1.3M (0.46% of loans; DQ 0.39%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (4% of equity) (p93 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | charge-offs p90 |  |
| 2011-09 | 5 |  | leverage <5% |
| 2011-12 | 4 |  | construction >100% equity |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 6 | expense ratio p90 |  |
| 2012-09 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2012-12 | 3 |  | deposits shrinking |
| 2013-03 | 5 | capital falling, losing money, assets shrinking | reserve under noncurrent |
| 2013-06 | 5 | AOCI drag >20% of equity | capital falling |
| 2013-09 | 5 |  |  |
| 2013-12 | 7 | charge-offs p90, reserve under noncurrent |  |
| 2014-03 | 2 |  | expense ratio p90, losing money, assets shrinking, AOCI drag >20% of equity, charge-offs p90 |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 4 | expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2014-12 | 1 |  | expense ratio p90, charge-offs p90, reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | expense ratio p90 |  |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 0 |  | leverage <7% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | losing money, expense ratio p90 |  |
| 2018-03 | 0 |  | losing money, expense ratio p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | leverage <7% |  |
| 2021-09 | 0 |  | capital falling, leverage <7% |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, charge-offs p90 |  |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity | capital falling, charge-offs p90 |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | construction >100% equity, capital falling |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 2 | capital falling, construction >100% equity |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-02-11 [DANA POTTS appointed EVP and Chief Financial Officer at Great Oaks Bank - Savannah Business Journal](https://news.google.com/rss/articles/CBMijwJBVV95cUxONTZOX1Y5bTRlSXVQUFVQOUdHVkpDNjFxbmtTZjRzZWQzTlBMcXJ5d3FBSmxMalAwWmxsX25XUUNGOXh1bndWemZJT0E4ZVB4OTMwd0NJQXhwdEFRT190NjdaRFlmTXhUQjA5VjFCTHk4dktvYm9hdXc5RXRfTm5Qd0FvWEwzaVlQRno3RjR1bmZnWlZ6bVZCZmIzNEZDRHNnMzdBdGloa0VyTHV2OENDelpMc2t0bk96VEdkLW4xbWp3LUxCWVpOOXJiUmxxODE1bUd3YS1kTlJKR256a1RCMEplc2pLb2pYcjZVWmlDZmpHVTh0TldtX3ZMWkJVWHVSYS1kYWZoMGRzYVNDay04?oc=5) · Savannah Business Journal
- 2020-08-03 [Great Oaks Bank opens new branch in Pooler - Savannah Morning News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPNHVhcVFOVjFyMjdELXRkQ1ZWSzl5SHlSYWtGcjdKNnhxanFHZkVzNXBUUU5feWVwamtvMkZvOS1YNml5X1RhSDVuV3BVZVRQV2ZMb3NMblU0elhXWUwtUmZHeVVmS1k2ZUdKUjJqaHBSTl9jeEc4Ym9VQWZ3V3NUQ05vRE0wUHdGWjBBQlRYdHBDWHZ3ZVlNRU9DWkExS1F2THU5NHNFaUloaUE?oc=5) · Savannah Morning News
- 2020-06-29 [Richmond Hill's Citizens Bank rebranded - Bryan County News](https://news.google.com/rss/articles/CBMiggFBVV95cUxQTllhMTh5QS15LWRLRFpCNE9WSTRLOGp1aC1zSlVJWDVLYzliQVV1bUdQWkw1QWl3WU9fTDF0azhla2Y1eWd1a2NRNWNqLWx2SHdtTEtvbVY2Ny1WQml6NzNFX2laeEZKRE02MV9PX0cxR2dEYTNkVWtDWS1SZnhDWmFB?oc=5) · Bryan County News
- 2025-12-16 [KEITH PARKER joins Great Oaks Bank as Office Manager and Small Business Banker at Savannah Southside Branch - Savannah Business Journal](https://news.google.com/rss/articles/CBMiqAJBVV95cUxQN3JjQWdRZWU0REtMVHYwYm94eHdPUDNSNmoxT2tIdmczU0F2NDRTNTBwNUJKb2FhVTZsMUVXMTZvNU1hX0w2dmJONkN0OUo3XzRRYlFyd1FDZF9vZDB4X1hWakxyRHRITmVFMk5yWENFMXd4M3h3Rnp3S2F2MFJQVVppS2hnWEhxR2gwSkxzaVJLcVE1VWR2S3c1MENrS1B4ZU1OVEFfNVdvNzYzX1lOUUY5UGx0d1FkcFA4Uml1eHRJakw4Y1JNNkVrZXRCNEh3OGxLS0htcXp5NTIxN3o3TjUyNzA0bElGNGcydHhvWHdxenNMWmpOd09VZUJXUFZfVHo2R1V1UEpDTEdkUmRfT1Z3dC1SSEtaNHZhZnFRenplX1otWW5ZNw?oc=5) · Savannah Business Journal
- 2021-06-16 [Richmond Hill's Great Oaks Bank becomes new home for local artists with new gallery space - Savannah Morning News](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPLUk0ZVZoWUU0TVBhU3YwbjhZU1VlekJKaGlZbnR5dUJBX2tCZHhyT05yaV80MU1wV3pTQThSZnA2REpIN1hFUjIyay1oQXpDRWFlZ1RrSWloMXdHZWlvUXJJeUg4OXk0Z0tNTm5jYm9ueEktQkpkXy02TkhOeVh3b3BTUVFORmF5eHhBeHkxVE1ldmNORE5mRE5wZXFMUGlabjVEeFl1UDhBR2twNFhjNE5CNFhpQTFhQkkwVXBTbEJiZk9GSmI5WFlnWW12MWZmRU9mVGowLUVjZkxrMFBLOFNn?oc=5) · Savannah Morning News
- 2022-09-29 [Great Oaks Bank welcomes Nicole Sloan - Bryan County News](https://news.google.com/rss/articles/CBMigAFBVV95cUxQTEVyNS1YTUhCWnVwVXBUQVd6MDZJcldUb1BnN3lzam9iQXVuZDE4emlQQmt6ZUc2R2FfQkpMR3ZmWWN0SjZBbjcxNkpVMEl1UG5KRWpnYUZpX3ZITi0yNjMtRWYzczN0UWJ0SWwzOUFQOWhRell4eVJpR203MHJVdg?oc=5) · Bryan County News
- 2021-03-03 [Kirkley is new Bank of Hazlehurst President - Jeff Davis Ledger](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaGZOYjVDcDZlTWRvZFlfazNIdTI2cjFLX0Z4UUJkWHZxR3FzRnNNWlZJWE54TjVzSEhLb0J3aW0wUGNRekd5d2VxN3lPRUphQmg5UHJiQS1DR3R1ZHZUazlkU1BVcW9zMU5kVllWakpPaTJWY2h5ZVZYS0ZLUFJXbEpBaDJvdw?oc=5) · Jeff Davis Ledger
- 2025-07-02 [PHILLIP ANDERSON joins Great Oaks Bank as Savannah Market Executive - Savannah Business Journal](https://news.google.com/rss/articles/CBMiigJBVV95cUxQZ1BwazN3WkFTYUZBanV6eERiYkZ2S3M5MDkxbHBsMmhRbk01UTFpZzk5R0tqQ0wtaHA5Yk1ySnBSVm5yMUZWMVlvdXU2OF9uOVk0U3V0MmlzRGRydl9GUFI5czVzcFh5elhqcnNZQWxTRlV5OC02ZU9fNjNRRDFqX183TEVBNWZYTXRmQmx6ZG9aallINng4WENTY2EwWDlpck1pbm5BZXJuaHpJSEtLRUplVkJtSjZ5Vnc1LURTekY3VklLczhVbFl5Z2ZiVjBNV0RJOFdYMHRsUEJqLVlydUdEa0FxR1l1c2paM2dRODcwRnRYU3o2NVhncm1NcHR0RHJpQnpRMDREdw?oc=5) · Savannah Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16780 (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/12.json (key "16780", 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