# BANK OF DICKSON
DICKSON, TN · FDIC certificate 17327 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $291.0M | |
| Deposits | $261.3M | |
| Loans and leases | $172.7M | |
| Total equity | $28.4M | |
| Loans / deposits | 65.39% (p38 of band) | 73.59% |
| Liquid assets / assets | 38.77% (p61 of band) | |
| Uninsured deposits / deposits | 23.19% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.53% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -25.09% (p18 of band) | -6.57% |
| AOCI / equity | -1.11% (p25 of band) | |
| ROA (annualized) | 0.79% (p30 of band) | 1.17% |
| Net interest margin | 3.43% (p26 of band) | 3.93% |
| Efficiency ratio | 71.90% (p65 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 22.29% (p56 of band) | |
| Auto loans | $722,000 (0.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 51 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | noncurrent p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 5 | securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 4 |  | capital falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | reserve under noncurrent |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2021-08-25 [James Snyder elected President of Bank of Dickson - Main Street Media of Tennessee](https://news.google.com/rss/articles/CBMiowFBVV95cUxOU21heHZVdEVEM0lFTXp4SldsSEh5QTYyaUlqTkdZQ21LOWtyQUxhTVIydGdWTzRPMjlReFc1c2x6QUFabURhT3dYdkNtRDN6REhzSTBXRUt6bTYxUFdPcWhXODhnSy1LVm0zUWs2RWRjT2MyMm9sS0pHckZwWXdfU0RCYUFJajU4cnhBN1FJOWdGUWxGbzBqREE5Uy1aTjlvOXBZ?oc=5) · Main Street Media of Tennessee
- 2017-07-24 [Cumberland Bank & Trust merging with First Federal of Dickson - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOZFJfcTA5QkN4ZTlKNmJmSHpUU19Rc1ZHZ05taVF5d3VKWDZxSTdfSXBzNEtteUJyV25IOWZKOEFWQy1Xa1FJM1F3clBqY0dwT3k2aGk0MXR3dlJmR3p3S21oNTVvUklpX0cwbG92d09IQzY5YTVKZEdHYXp2Vi0xVTVLaFY3WXBCdC0xSlAteHVfYkxsRmRUMzd0UDRnLXRPdGFEM0dNcUhmY0JFaV9hYlNPT3EtVEQxcURERmJrNldpMG14RHZscHQ2ZC1XSVFD?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2023-08-18 [Tip leads to arrest of Dickson bank robbery suspect after more than 5 years - WKRN News 2](https://news.google.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?oc=5) · WKRN News 2
- 2021-04-14 [Downtown Dickson’s historic bank building goes to auction - The Tennessean](https://news.google.com/rss/articles/CBMixwFBVV95cUxOU3RobEZOdnFjVDRqRzN5TTNxa255Vlk2b20taGlYajZtemRtV2oxTnFZWm5JWkktaFVkdEFwQm1NdXRGZTVEa18tMkw2cXBadkloTXMtVmpZS0s2ak1JMGphc3pSdl9ZdnFuR1c0RUV4MjZldW8wNF8yWHVJYXNtZk9BeTFhUWVSU3A1UjVKZU8ySWlNZUNoZlZlb1FDelROeVNkOFV3N0gyTXhGTHpRczBtRklWTXdocThJdVZfZUpWMktPdkpv?oc=5) · The Tennessean
- 2020-02-20 [Police: Man charged after trying to rob bank with Tennessee detective inside - WZTV](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSmh0ZENJa05OMEJpcGp0ZTU3bkFpUVloTms1RHdkWWVQUjdab3A0MlBWdkNSYzdydmNVQnJXQ0xZR0VXNkc1aFRtd000b1VodnVqeWE2TWllZ2hESldNbHVnSlFrRnlsNkRvbW9UQW5SVTh2SDhJTW5PRmMxWi00VXQ1OUdfRjR3UGctSktQR3NVaU1qS0lCVGlLV1ZiZGNWa3RVUWlfSQ?oc=5) · WZTV
- 2017-07-25 [Middle Tennessee has a new $700 million lender - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOM25uektWNkF5RkRKLTNoc2VBLU11a1ZmdDlxTF9SamhfMjZUcWhUcFZTTlRpeGhjYmJmRkJ1T1p6dXd4NkxsaEE5bjhSUXdNcE5QVWM0bnZnekxlQkpMSTBnQXU1WWx3SDFpUGg2RnI1Z3lpR2R5RjZvbzBYWFF1STBUcXpTVWR6cHZqYTN2cHpNRVVsVmhUbXdGWDI1enFUVGY2REdVaw?oc=5) · The Business Journals
- 2021-11-29 [William Duke Obituary (2015) - Dickson, TN - The Tennessean - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOM2V1akw5QjlfaF81dkpNazdZSjVBWHBEREh3VTFzYkREVTNlWThVYnVTYUgzc0VhYllwYXVwV3dxWFdSZjQ5MTZ1UnVIem5tTGJwaUZyYU5nQ25jYk5aM0JYT1NwSUxxcFhwRi1sNTBRdlktNmlZUVVGMmgwemxlcUR0SFpjV2p0YXBrZDZlbw?oc=5) · legacy.com
- 1989-08-09 [High school teacher a suspect in four Mid-state bank robberies - upi.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOeXQ1ZldWQkdhUGtpSGRKN0dLMGZvbWh5TGlCTnZCcnFydGFvTm9OS0NoUGd0aTBVV1IyM0dWMGt1eDJzcDFXZUtCdm5DSngxY2NtY0hzbGVxNV9vVUhybV8yNVdnX3JYOXR0QWRzb3ZUNTMwM2FEWkRrYUxOOVlKTTBOVG1DajVZZXJnaUFsRVRVakp2ajRzTmRCUkdYU2ZGRXZKV3FUbW5LdlJyMUJ5dVZvaW1QMU5S0gG-AUFVX3lxTFBQWDU4UkswbjVZZDBpcFYxMFFTLWlTV2laTjRlZ1RRN1JFV3laNTFfVmRqckl3TDB5dHJoQlNTNzVoMVZZZF9ORVNDNmZ4ZHdkTjJmS2dpaHBRRTh1emhyS3BOV0pfSWN1ZDBseFdWLWo3dVZpS2pnVVpTN0kwQ3JEWWJJTVlKNktubFZieG1mQ2pvbzBVeUJRUHhpdDJxSXFNeWhvVlctNGtLRFl0YktwTFpiVUJjVlFsdmtqLXc?oc=5) · upi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17327 (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/47.json (key "17327", 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