# BANK OF DADE
TRENTON, GA · FDIC certificate 17543 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $162.3M | |
| Deposits | $151.3M | |
| Loans and leases | $98.2M | |
| Total equity | $10.4M | |
| Loans / deposits | 64.06% (p36 of band) | 73.59% |
| Liquid assets / assets | 38.98% (p62 of band) | |
| Uninsured deposits / deposits | 24.99% (p68 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.45% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -50.58% (p6 of band) | -6.57% |
| AOCI / equity | -2.04% (p12 of band) | |
| ROA (annualized) | 2.72% (p95 of band) | 1.17% |
| Net interest margin | 4.99% (p89 of band) | 3.93% |
| Efficiency ratio | 48.21% (p11 of band) | |
| Noncurrent loans | 0.25% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 508.54% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 110.22% (p95 of band) | |
| Auto loans | $2.4M (2.41% of loans; DQ 5.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 2 | charge-offs p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 2 | deposits shrinking |  |
| 2012-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling, reserve under noncurrent | AOCI drag >20% of equity |
| 2014-06 | 0 |  | capital falling, reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 2 | capital falling, reserve under noncurrent |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90, construction >100% equity |  |
| 2022-06 | 3 |  | capital falling, charge-offs p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 3 | reserve under noncurrent | AOCI drag >20% of equity |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | charge-offs p90 | reserve under noncurrent |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 1 |  | construction >100% equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | capital falling, construction >100% equity |  |
| 2026-06 | 2 |  | capital falling |

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

- 2026-01-03 [Bank of Dade Celebrates 70 Years of Strength, Stability, and Serving Local Families - Discover Dade](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWEFpQURmejRKajZRV1hVR2dlTmdyc2p3QWVuRFl1VTNHZzFRM1RZUjFfdVFfTHFYdVdiVUpxV1VDZVB2UzcyQXhyOHY5RkJPV2R2SS1fZmh5N0N1YmpMNmRIaHFzSEdKSVAyY1ZfVVc2RG9QWHBUeUNNYUxYU1c2Qm96VFRmUmxrZ2FENGlrRUZxVWVCNGlEUl93MnJ6N3p4M3NVdXBpQzAtVGVQV2FkNEhuSTJPRnZF?oc=5) · Discover Dade
- 2025-12-17 [Jay Jones Obituary Dec 17, 2025 - moorefhs.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1fbmRNcnRYaW9IcHZKN3hHOE5DMmZpdk1GWDlZQTlXa1NkZFpXWFNGZ3J2VUphOVdYMTlCQ1Bmenh1UjJaZFBFUWs2Nk81WkswczBDVnE3N08?oc=5) · moorefhs.com
- 2026-02-24 [Fraud Alert: Bank Impersonation Scam Targeting Local Residents - Discover Dade](https://news.google.com/rss/articles/CBMingFBVV95cUxQaWdyZVRmdXFucy10MTJwakh1d1FiZkt5Ql9wMEJNaTNTUEZOUzVNaU9ncjF0R3ZQa1Zoc043Ny1sM0p0TWs4Q0h5YU1vbk5hZmx4N21UVlo5TkQzSGI2MTRzNjl1X0NzMy16X0FQUEQ0Z1lsM1FFVExBT0hNTTRxQjgwMEdKMnRieTFETms3MG5mVEZ0SlBUeDRtSm9uQQ?oc=5) · Discover Dade
- 2026-03-11 [Protect Your Identity – Join Us for our Free Community Shred Day! - Discover Dade](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTm9UYS1iR0lnclNtWThGVmJRd0VaMGR1d2RFSUxWWTM5Sk5NbTFrUWpBQkNBVnZ4dTNHNmVORXhic1VSRDRVMWdRUG15RXhMaXdvVG82Q0lsejJMVHJfRWhMaWk4N3Zwb3hZNGcyWkUwZHZYWEdXbU1tNGotUFhnMXJJV0dyWC1SYWtoczI2N2N6VzRWVHR2TjFsemgwdy1h?oc=5) · Discover Dade
- 2022-12-11 [Lisa Townsend Obituary - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcEZRZUV3clZkZkhETmFLLU1SM0FvQjdjRldpY0otS1doNGtwWGtFaldleVB3b3Y2ZTRzOTcyTUdRQmZvX0ZuSjNQd2k0MXdRamtpdU1mSDNvV2JJZXNZbkxfTkxxN1RmQ2VNSGR6UEE0eDdBc2hhWE1QZU11YlN3aQ?oc=5) · Chattanooga Times Free Press
- 2016-11-14 [Miss Dade County to Compete in Miss Georgia USA State Pageant - WDEF](https://news.google.com/rss/articles/CBMigwFBVV95cUxOSXdWSGRLVWc4aHg2WkZlUFFBa1ZWamhzSF9ONktNdnVodTlhUEl0bnF0X0hCQWNTMFVVVV9DalZDTktSOElZN09ydFNxYzZpMUg3b2F0NkRjd3BpeGpNYW1wNHIwVG1uclJzdEJtYWVIZHR0TlBGc1NWSnZmVE1VeUNzWQ?oc=5) · WDEF
- 2009-04-12 [William Morris Beck - View Obituary & Service Information - Wilson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE5JSUtRTlhQY3RjdmxzbUtWamYtWFlRdVpfajdXejBVSnNUbzd5MWg4STl1YzVoR0JJa3pQcjdFbmR0bWNWemF3UjlxcGJnTWFNaE9aYlR1ZzgyampOd3VhaGNidkswdUdrdndnSQ?oc=5) · Wilson Funeral Home &amp; Crematory
- 2021-05-29 [K. Wayne Guffey Obituary May 29, 2021 - moorefhs.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBsZmxYeGtHWmxZdmFoVWp3dFRic2JBemVnMEZTTktwY1lNekhLX2oycHgtempwX2dZa2h0VFdGUFFQRmtMOXViQkMzX2NtV2hGZzRYcjR2ZWtuYkRYaV9j?oc=5) · moorefhs.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17543 (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/7.json (key "17543", 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