# WILCOX COUNTY STATE BANK
ABBEVILLE, GA · FDIC certificate 17126 · asset band <$300M · latest filing 2024-03 · 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 | $168.8M | |
| Deposits | $149.5M | |
| Loans and leases | $125.0M | |
| Total equity | $17.6M | |
| Loans / deposits | 82.64% (p71 of band) | 70.19% |
| Liquid assets / assets | 22.60% (p24 of band) | |
| Uninsured deposits / deposits | 19.98% (p54 of band) | 18.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.24% (p39 of band) | |
| FHLB advances / assets | 0.24% | |
| Tier 1 leverage | 11.42% (p52 of band) | 11.30% |
| Unrealized securities loss / equity | -21.02% (p44 of band) | -16.70% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 1.18% (p66 of band) | 0.87% |
| Net interest margin | 4.34% (p79 of band) | 3.46% |
| Efficiency ratio | 62.84% (p31 of band) | |
| Noncurrent loans | 0.52% (p64 of band) | 0.25% |
| Net charge-offs (annualized) | 0.10% (p92 of band) | |
| Reserve coverage of noncurrent | 233.38% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 20.05% (p50 of band) | |
| Auto loans | $4.8M (3.81% of loans; DQ 2.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2023-08-31 [Make It Four! Another Bank Acquisition Announced (2 by Same CU) - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRndTOWpTR05MQllLVFhCcUV6WW12M0FuejB2TU9xT3BNTHlUQjcxSWdhN2NkUUZNTjNCZ2o0ZlczT3BmQUJSbDhaN3o2NkYzd3dTTHYzdnduZHhwTnpyM3BXcVpvSXdBaUhWTFlCak9vX2FrRk9yTS16YWllbHROc3JiNU9IdFdOUTNhdUxBM253eXRZTWNKcDc1SnpoWU0?oc=5) · cutoday.info
- 2023-09-01 [Alabama, Michigan credit unions buy banks in torrid M&A week - Banking Dive](https://news.google.com/rss/articles/CBMivwFBVV95cUxOSVFHM2NLd1dZc25jS0hGNFBJYV9MQ3FrbFZ5VUo2WGdaQXdaendyQVl2YzNYMXZfUkhHUVpYTzlvT1Bib3FPQlJMdG9feEJ0ZGwtMkExZ1hQSk44bXNqZEkzUzNpZjJaSVJRdFhCQlpCMWk3QzdjZkUtY2VNeExjN0hiemM2V0Y3UVZ5Ul9QaWNTLUNlby00bjBQTUdsX252dVRlUmNtMUg4VTBtRjJvUzhiUkg4OWMwZnF0VW11RQ?oc=5) · Banking Dive
- 2023-09-01 [Two credit unions are on a bank shopping spree - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQS240cTRJelJES2kxcGZJSWVaeHRndmxBVl8zaFNDWVFMRnI0aEloUkh6TFBFM1BkdDExdFpuLVRLa0FNZkU1WDhnMHNLRXduSHM0ZmFKRFJDQXdOWlVaMXd6MzU3X0NtLWxucGhYNWJrd3I5Wmhhc0FVQmtleGw1TndUVzZXQ1d3WjFNdTRrWnh4ZG9XbkZDWURDWQ?oc=5) · American Banker
- 2023-12-28 [Shaky economy slowed credit union-bank deals in 2023 - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTjVfS01SN213NXlGNlczd0JXYUFldDlTMkx3cTFKOTZYZDZabk5wenoyRmZJT0pva0VqUTUtNDExVGRDWTZyVEtTd3BKSXJ1dWNhbnl2N2xHZEVQb3Z5azF2SjFfU2cwNHNsRE9jcnNmTEJYWFo2S1J1RVpXQXZNNXcwcU1NVDJoUGRPdlNLbDl1a2dsNTNqSGJEdmxrMmhueERJ?oc=5) · American Banker
- 2023-11-29 [John T. Croley, Jr. - Obituary - Fitzgerald, GA - Paulk Funeral Home - CurrentObituary.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE42NHo3bHNqelI5ZndyWGhmVzRVT2dKQnRmT01XTUtYN2VldDhLdEpqN3FUa3AzTDgxYmwtZUM3VEFKZ2hBUEJXRkVab3lpbFh0?oc=5) · CurrentObituary.com
- 2018-11-19 [Kermit L. Elliott - Obituary - Ocilla, GA - Paulk Funeral Homes - CurrentObituary.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE41SmxETnpoRFN2MzJpeVdUVU5PWExSYW85LVFGYm83SUg0SDJGQVhqemYtb0NqNTVzeHVCNmRPNlhDRi1ZMExMQzVmajF3c2dL?oc=5) · CurrentObituary.com
- 2013-04-25 [Mary Sue Walker Adkinson - Obituary - Fitzgerald, GA - Paulk Funeral Home - CurrentObituary.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE80d1NQTUFhamtWUHZBYVl0Wk13UTBGR0hQV2hlMXVXRFVQeVc3WDY5SXBZMHdzY0dsNDFNRHBqaFJvY1djSlhfVF9jeHd3VGtLNE10QmhR?oc=5) · CurrentObituary.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17126 (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/38.json (key "17126", 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