# BANK OF CAMILLA
CAMILLA, GA · FDIC certificate 17190 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $188.1M | |
| Deposits | $147.6M | |
| Loans and leases | $128.5M | |
| Total equity | $39.7M | |
| Loans / deposits | 86.13% (p73 of band) | 73.59% |
| Liquid assets / assets | 27.78% (p38 of band) | |
| Uninsured deposits / deposits | 16.98% (p39 of band) | 19.81% |
| Brokered deposits | 6.98% | |
| Wholesale funding | 6.98% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.79% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -2.33% (p69 of band) | -6.57% |
| AOCI / equity | -0.62% (p40 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 3.70% (p38 of band) | 3.93% |
| Efficiency ratio | 55.74% (p24 of band) | |
| Noncurrent loans | 0.37% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 276.51% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 26.14% (p61 of band) | |
| Auto loans | $643,000 (0.50% of loans; DQ 1.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2011-09 | 4 | brokered >10%, wholesale funding >15% |  |
| 2011-12 | 4 | charge-offs p90 | wholesale funding >15% |
| 2012-03 | 4 | assets shrinking | charge-offs p90 |
| 2012-06 | 4 | charge-offs p90 | assets shrinking |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 3 |  | brokered >10%, assets shrinking |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | losing money |  |
| 2014-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2014-09 | 6 |  |  |
| 2014-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 3 | uninsured deposits leaving |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 1 | brokered >10% |  |
| 2025-03 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | brokered >10% |
| 2025-06 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2025-09 | 0 |  | uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2025-09-14 [Kelly Stone Named Chair-Elect of Community Bankers Association of Georgia Board of Directors - The Baxley News-Banner](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNbnI5TTBaTjdEVzA3UGt6eVFUbklpVDh2ZFJTV2xiX0RWZEpCeW1zR0lMM3NsalhSSkVVbUZUQS1ZVVJqUVVLaFppYjJVN3RBNFppZHpRSU9WTFRYQTJRS2pfRV9sdDB4SXhyelAzQVBnTW5HNWJjUDdvQ0poU3RKOTVDRzFKQmZKRUVlaXVYdFR0aEVONlV1X2RoRnFHdE1mUlNGcEpJMHNGV1lQMGlVTjVvTF9TdnRZMEJBenRMdThvVFNDU3F2RVp1dHBTckpHNDk0?oc=5) · The Baxley News-Banner
- 2016-11-28 [Lane Albritton Obituary Nov 28, 2016 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE5VM0cwT2lpQUNzVXZFNjdNSnRvU2NqWGZGRXhHdTEzV29YbUtrVGtpQ0w4VEV3cXZpcnRXOUJYRjZEeEhTc0hUaHM4bERraXBVUlpkbDFzaDh2Z3NNT3FCWm1oOHN5dE9wYjh4Qw?oc=5) · Mathews Funeral Home
- 2024-12-21 [Mike Bankston to run for South Georgia Superior Court Judge - Albany Herald](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdlVFUERFSjZNM3lYazlLZHplU19ET2lvbUpGemg0cXBPazgyeUx3dHhTYXl3d0xGekhMcHNkS254Sm1hbnFEYTRKblJTeHFvOFphS1JXRTZCdjdmdTkzaEM4dWZvN2hhTFJVMGRNaUI4U0swSzBNc1JwV2lJRjV1ZXAtd3ZlZ1k0MkQ5c0pJb1c3WGRHNS0wYTI5Q1o?oc=5) · Albany Herald
- 2025-04-05 [Ray Eugene Dixon Sr. Obituary (2025) - Camilla, GA - Parker-Bramlett Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1ZdTBSUnRteWkzdnFOazlyOFdHNVNfdzVRVWNPTmlPOVQzTmMxZHVsbi1UNldDaGtEX0VQRWtGU0VHc09hc2dvNi15NVR4WXkyT0hPZjBtLTFqUWlkNXpyMTJxalJuaHBTckVKUzMwYnR1RnBXcnpBTUg0eVc?oc=5) · legacy.com
- 2025-12-23 [Erskine Butler McDonald Obituary | Parker-Bramlett Funeral Home | Camilla, GA - Tribute Archive](https://news.google.com/rss/articles/CBMif0FVX3lxTFBkWEdpSnZ6SXJlZ0djWjUyNmx4eTR2ZE1jWjRfbU8xbWptclJmSjlHbGxCNml0VjZIcGF3WEkwUTBOWUdSR2ZGaTBreXhFTXpuWEExaGZ2VW5KUG1xYzQ3dmNaemNnN1VtbE0ybGRpZzdDSldlOTFGZlF4MGp0LTg?oc=5) · Tribute Archive
- 2008-11-18 [Harry Lee Kemp - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOdVVNTkJKV2otSXh0U0QyTzRtQ1ZaU1BPVGNVcW5IcFFuZlJ1SVU0UXNacFZjUXVqTVZqVENaeW4tWFZWZ2FseGw0Y0NSWGlGdTVvX2dZd2E2T1R1MnNuVUxPdVFRTkI3TkJ3Ny1FSFV2a0Y2cGZKVlJBY2N0S0RqczEwN0VzaDhoRVM0Tg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17190 (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 "17190", 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