# ESCAMBIA COUNTY BANK
FLOMATON, AL · FDIC certificate 1746 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $79.9M | |
| Deposits | $67.7M | |
| Loans and leases | $28.0M | |
| Total equity | $12.0M | |
| Loans / deposits | 40.78% (p10 of band) | 72.51% |
| Liquid assets / assets | 62.52% (p91 of band) | |
| Uninsured deposits / deposits | 13.24% (p33 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.40% (p81 of band) | 10.85% |
| Unrealized securities loss / equity | 6.93% (p81 of band) | 2.55% |
| AOCI / equity | 4.74% (p86 of band) | |
| ROA (annualized) | -0.12% (p6 of band) | 0.95% |
| Net interest margin | 3.08% (p26 of band) | 3.57% |
| Efficiency ratio | 103.01% (p95 of band) | |
| Noncurrent loans | 2.86% (p91 of band) | 0.49% |
| Net charge-offs (annualized) | 0.09% (p82 of band) | |
| Reserve coverage of noncurrent | 52.49% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 18.48% (p57 of band) | |
| Auto loans | $1.2M (4.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | charge-offs p90, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | losing money, expense ratio p90 | assets shrinking |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 3 | AOCI drag >20% of equity, losing money |  |
| 2013-12 | 1 |  | expense ratio p90, losing money |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 1 | deposits shrinking |  |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2015-03 | 3 | capital falling | charge-offs p90 |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 4 |  | assets shrinking |
| 2016-06 | 2 | capital falling, expense ratio p90 | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2016-09 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2016-12 | 1 |  | deposits shrinking, assets shrinking |
| 2017-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 4 | assets shrinking | charge-offs p90 |
| 2017-09 | 3 |  | assets shrinking |
| 2017-12 | 2 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | expense ratio p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 2 | capital falling | uninsured deposits leaving |
| 2019-06 | 2 | expense ratio p90 | capital falling |
| 2019-09 | 3 | noncurrent p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | capital falling, uninsured deposits leaving | expense ratio p90 |
| 2020-06 | 5 | expense ratio p90 |  |
| 2020-09 | 5 | losing money | uninsured deposits leaving |

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

- 2020-08-20 [Two Alabama banks plan to merge by Q1 2021 - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNa1hpa2pPVWF6TS00UTdBV1lLc0pjRmxKM1hKNmtDdEs5MjFQMnVJN29Femx1UmctY016UU9XMnZJTzh4dFAtcFhLVmo2bFU5YTBXcmF2di0zTFZLZTRHcWhjb2Y0TTQ1ZDNLaXAzUEliTnZQQTRpMDhuRU9kZm9kMml1eXZqQUx3cTlLRUQ4cEcyazlEZ2JRRV9VN2JoR2cyc1h2eA?oc=5) · The Business Journals
- 2026-02-17 [Deputies: Man caught after robbery at Escambia County Wells Fargo - WEAR-TV](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTkNIdW9Vd0gwMmNWSXBEbHRnNVFuVkFaZXZaSFByYjNIUm1KcVd6eWcwOW9ZV0RCWmJkeGFERjhlX0hYay1tRVQtTWhkY0NQX2kyejBVRi1tR1FvZE1feWpyTk1UZTlOSjZabUM5ZGlCMmNrQ0cwUWdwOXRCT05lUWhfU0daTF90U05wYm1oRlNPbThWRGJ1OGdR?oc=5) · WEAR-TV
- 2026-06-01 [Escambia County, Florida bank robbery: Suspect still at large, officials say - WKRG](https://news.google.com/rss/articles/CBMijAFBVV95cUxOWGZzNTByWnZ0dlBTUVA0VkhyYkM0dUJya3FUMmNMVDJqX0tmVldtMmhocHNWTjI3dUR0V24xMk54SnN4SGxDUlFRNHRvQVZZVkNDYmJpZm82Y2YyRGZtRXZIZ190cm5PQUo5TFdIanVObTJ2ODllX0Y3ZkZtZ0xIeHNfSlp5SF9qSmJVWtIBkgFBVV95cUxNTHhRcUdRZlFTZHdvbVBxSVRPbzB1WDRYMzAxaHB3MFRVTzBOY09VaHFGdVBPS2ZiNmFJMGE4clk4NE04Vk5UdG5XOVBvLVhzZFNtRWVCZ3RKTlVpMEdYTWRDS0tvY0l3eGY4VmtDcmhPamZXUkxhZjhGamR0RUJPVmdyU0dQT3p4X0d5VEVtX3lNZw?oc=5) · WKRG
- 2022-11-05 [U.S. Marshals Arrest Escambia County Bank Robbery Suspect In Key West - NorthEscambia.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQ2JFdkVrcDk2RnZCZUhPc1lVNUlyNnU3c1JXUjUwZ2ZKQTI1RUhWM1lXMWJaZHZCMVRUQUdmdW8xeHlPSjRJQ25UTjhoZmx2eTdzbHR3cUY0RloyLUVNWkNZQ3o5SlF5UE1IUVVsX1ZYXy0wMl9iQURoX0dnVVRvaWo4VlBOWnlDOGRTOExocmlCdTRvWDVZazdtQl9MM0RIZjFNTlRpMEM?oc=5) · NorthEscambia.com
- 2020-01-14 [Accused serial bank robber wanted by FBI captured in Escambia County - Pensacola News Journal](https://news.google.com/rss/articles/CBMivwFBVV95cUxPMGM2RFlzUDEyYjF5TWJaZ0p1TVVTVmM4dndLRWZkTmlEcktvMkt6ZHBQX0tjNWhrMnpjTFdDQjFCc0VWQnFmRDVUMGtXajZBYjZIS04wajJGTXRiNG0yTnA4ZlBsbHVCNDhDWXY3clVidlF1SG1tbjd1TXJMbmZtS3ZCYjZBMUd4N1ktSWZlc2R2ejVvalNNckVUYzdna3FuRklBc2JpdVRKS1IxNGR1YVBGMnFNNmFIMklldHdNdw?oc=5) · Pensacola News Journal
- 2018-10-22 [Flomaton community mourns local victims of Texas flooding - mynbc15.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2RsRVFKTmNfU0pkbFVmZkpxSExSREZGRzk2NjdLWXMtaXN3cldrZS1tOHBZNzA1WGFXaGE0WEI4eFBxVGlSblJYampvQ3V3UmpaS00wbXZBeWVLYlZpVF8tR2Y2d3FuMExqbEVydjhNUE0yWFRHU2Z5bmJZbEVlcW9DOXV5cWdYWUdtV192NjlUdw?oc=5) · mynbc15.com
- 2022-07-05 [Pensacola bank robbery suspect identified, may be driving stolen car - WKRG](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWEoyU3BLd3o5MzlTMi1SMzNkQm1OdDlIanpVaGU0R2wyXzBJYnNZTEZtZ3pwaFlWMnRIU3liTy1XbGVTNzl0OGxnZ051cVRHQUVrYnVkMkRYWHRTaU5Ja1czbDBQQU9jYzJGNl9SeWN6cHQtM05XbUFOdWNJQ0tGNG9XU2o3TGI5Z2RQd21EUHBpT3cxVGJYaTBYZWJNMjJNZ01CUk530gGrAUFVX3lxTE45em9fNVUtSV9qQWFUUXhHQmN5NjZpQndUS0pGMGVUMVJOUnZ5ZDRCbGMwa09fTWw2b0phenZzWmo5OFRxUVZvQ3hjS19GWjZFbVNaQnFOcVdxcW5sVHpIejd4V0ZCV1dhRlYyTFlkWmM3WVBlbTRWT3g5Y0xVLUUzTkhRT2ZCVmllalVNUTdES2RFMUk1bHd2blZwN2xKUC1Ec090ZHdDUVB3SQ?oc=5) · WKRG
- 2004-03-13 [Sammie Jackson - AL.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNng4eGg1YXdJRGhXZmZ6XzVXVjJHLXNJdWpIREZNWWJ5NkYyYXR5R1RhZDJlNG5RbWpGOENWcDFscXh5bUdidnNMUFFZVy1aZlBNQWFPRTVaM1h1ajhXaTB4ZHRiN2xiY0NWRDFjVVB0U0RmS3FWOVM1RHJFbmNoS0JrTUhsZVF0cmc?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1746 (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/18.json (key "1746", 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