# FIRST DELTA BANK
MARKED TREE, AR · FDIC certificate 17047 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $61.1M | |
| Deposits | $52.8M | |
| Loans and leases | $20.7M | |
| Total equity | $8.2M | |
| Loans / deposits | 39.18% (p8 of band) | 77.79% |
| Liquid assets / assets | 58.14% (p89 of band) | |
| Uninsured deposits / deposits | 13.30% (p39 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.38% (p32 of band) | 11.56% |
| Unrealized securities loss / equity | 0.00% (p17 of band) | 0.80% |
| AOCI / equity | 0.34% (p21 of band) | |
| ROA (annualized) | -0.64% (p3 of band) | 1.05% |
| Net interest margin | 1.11% (p1 of band) | 3.84% |
| Efficiency ratio | 71.59% (p56 of band) | |
| Noncurrent loans | 0.86% (p62 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 0.43% (p16 of band) | |
| Auto loans | $195,000 (0.94% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | wholesale funding >15% |  |
| 2013-12 | 2 | securities losses >30% of equity | wholesale funding >15% |
| 2014-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | wholesale funding >15% |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 | assets shrinking | uninsured deposits leaving, deposits shrinking |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2016-06 | 2 | reserve under noncurrent, assets shrinking |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 | capital falling | assets shrinking |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | wholesale funding >15%, capital falling |  |
| 2018-12 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2019-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-06 | 2 | charge-offs p90, assets shrinking |  |
| 2019-09 | 6 | capital falling, losing money, NIM <2.5%, reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |

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

- 2019-04-22 [Armor Bank to Acquire First Delta Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMidkFVX3lxTFB3bkxTeVZQa2ExeWNaanFxMGV0dGR0elBCUTdEMU9Cb05URVAyeW1jUHY5X3N4THJodEdRMFIzaEtFR0YwSDc3Ni1fVUhjX3RHbzNGT3QwWFVlYkc1VTNIX3hyS3ZhSFl5akhFb3pyQndLOVdWQWc?oc=5) · Arkansas Money &amp; Politics
- 2017-08-07 [Bank Street Partners report shows Centennial Bank with top state ranking - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSzVINlNwZ2tvNlBxYVFjcjc1T0JYSzB3SmZjdlMtNWhKTDNqZy1WTE8wOW5pV2dxQm0tRjUtQXhtNWZkU29HZjkwM3ZaV1JWTWJ4SjN4ZlM4WUlocU1GbmZCeHkwY2VlLUZKSXFNUDJSbnB5cE1RWHJCMnlKMWdjVnhUcTVIWUQzc3EwWlcyUGJDZ3djakpUZnMwcC1NNy1EeDYyN0FaTExUdw?oc=5) · Talk Business &amp; Politics
- 2019-10-21 [Number of Smallest of the Small Banks Continues to Dwindle in Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxPcGJtWlA4ZWhBMlhZR3p1a1Q4SnRDVi12N0o5S25DWmRKa3Q5anJzSHd4bmV2TzJkVnZlYmk0bWNiRmE2T2JIb0xnSjZmMHl5UVdhWk96UFJMUGZFM3FfbjZiY29LVlpLcXJRNWMwTk1xNWtLazhFYWNBaUlIWktmbG1Ta19QSXd6UHE1RWZEeEpDbENNdW1SS3BTMzVCZWFGanRUR09hbFpmdm9sU0FoV21n?oc=5) · Arkansas Business
- 2016-08-31 [Images of Trumann bank robbery suspect released - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOHJtVXFxOWcxTUhjWExCUjFhazJuY2dtbm91R3dkeWUwVndwLUplUkRpQ0NWZ3pUTXBCdWsxUFpJSENkUUVjVmpSTGFBYU9HZ2pEeFFqOWdWN2Y0TlRGc0NQMEpsT0I4d1I5QWgtTC14azN1aVEyS0hjQmZTVk9jLWJpVU9TNEQyUDFIOS1n0gGgAUFVX3lxTE0xMXZvWm5mOE05X3plS1pPOWllNG4wdEpxcE50VmJfNXdXQVk4OFdqYldnWGpQN2xoMVVUcnZ5Y2s1b09fZTVVX0lyelF2QlhzSTZxVl81MU9VRTNoUlJwdmc2LXZqOGJXS1BFekJlVVhxR2dRMG9NMEVjeXVpX0NfbEotUWlKRlRLb1dPd1JjVm85S1BiRFJmeFZoNVBYQnY?oc=5) · K8 News | Jonesboro, Arkansas
- 2015-04-19 [Ernest Ritter Arnold - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMieEFVX3lxTFBQYm5CNGdLUzZWZHRmY2NDRTh3Zy01NFFGVUt5M3pETjFYQktkYnhHSXhZdmxaRzY0NmU5LVFleUhYcjZRSy00aEl0dUZkb0NtM3FBeUR6YjZReGRZeHg4cXBTUXJvZkVJTkFWOFRNTUlWVXVqYk9HdQ?oc=5) · The Arkansas Democrat-Gazette
- 2019-07-28 [Armor Bank makes key hires in Jonesboro market - Talk Business & Politics](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMnd3R1dUT3lCVGpBbE56Q215YzNINUZ2c1hzdk1tbmRwZ0pXWUYxS1BDMlpOSVhBMjg5ZkhjNFk5Vl9JNU81OTZmdTZ1YWV4dEMySWJPNU5GckdiSmtjVWpyZ0hicUVGSGdzSFBtMXNKbXA5NXpsRndDa0NtckQyMkszOVFITE0?oc=5) · Talk Business &amp; Politics
- 2008-09-12 [Charles F. Luter Family Academic Success Center Open House and Reception to be Held Saturday - Arkansas State Red Wolves](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBvV0pHTUxKcVBsMTR5bG1tY0VPM1U5UkNrRzBFUC1tckRkX2FFVlhZeE9CaWVwZ1hQQ2pvQzA5YndrQzJEYlJVNlpTWlBWMDNFclJaMTFGMkUtalA0dmE4bkJQUkFzZw?oc=5) · Arkansas State Red Wolves
- 2022-04-14 [Martha Williams Obituary (2022) - Marked Tree, AR - Jonesboro Sun - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUTVEc0hORWh5dHBxN19JMUJrVm5mSWxrVjMwTFI4TGM4X0xWdGdRNmRPU0NsbE9xQUxGZzZxQ3NNTmZXd1NEdFJ4NENjSEpHZ3EzS3pCTlhJSm1rdDMyM1ZTdUMyUmNJTHVYTndHX0Q0N2NYRFVIbFkzaEhaRUpHZnZJaUVhRm1aRGxXLVZuWnFJOW5wdHc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17047 (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/23.json (key "17047", 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