# CAPITAL BANK
FORT OGLETHORPE, GA · FDIC certificate 19195 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $122.2M | |
| Deposits | $106.9M | |
| Loans and leases | $89.8M | |
| Total equity | $12.9M | |
| Loans / deposits | 82.68% (p58 of band) | 78.40% |
| Liquid assets / assets | 21.39% (p31 of band) | |
| Uninsured deposits / deposits | 5.20% (p9 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.04% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.61% (p39 of band) | 11.34% |
| Unrealized securities loss / equity | -1.04% (p72 of band) | -3.15% |
| AOCI / equity | -0.66% (p68 of band) | |
| ROA (annualized) | 1.58% (p81 of band) | 1.02% |
| Net interest margin | 4.71% (p90 of band) | 3.82% |
| Efficiency ratio | 70.27% (p53 of band) | |
| Noncurrent loans | 0.09% (p24 of band) | 0.57% |
| Net charge-offs (annualized) | 0.06% (p74 of band) | |
| Reserve coverage of noncurrent | 1614.29% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 144.04% (p98 of band) | |
| Auto loans | $61,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | construction >100% equity |
| 2011-12 | 1 | construction >100% equity |  |
| 2012-03 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 3 | deposits shrinking | reserve under noncurrent |
| 2013-03 | 1 |  | construction >100% equity, deposits shrinking |
| 2013-06 | 4 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  | uninsured deposits leaving, construction >100% equity |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | construction >100% equity |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 1 | uninsured deposits leaving | construction >100% equity |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | construction >100% equity | uninsured deposits leaving |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-04 [Florida bank acquires failed Georgia lender’s deposits - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONUFJelEzeG13SVhPYWF3WTc2X0VDS1NpOVRBZkV2dS1MLUxiRUw5bXBKNDZjQnBWUmxWUXlrTER5NEdpNWhxZ2NsQTFNamhqempscFRLS2xHQnZmeU5FVUxUbHpXdzc4b1VCeU5TWkFkbnBWVjNtSWJTUHpFTFZXZllaTzJlTF9m?oc=5) · Banking Dive
- 2026-05-05 [Georgia sees 1st bank failure in nearly a decade - S&P Global](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNV1U3RklVRy10TUsweTV1UmVWc1FXaXFPQlZNbFVuT2k0UlpQcE9SYjBFbjZJT1VOSXRQN1ptQUMyZHRhRlVkbE5NQTZ5aF94WDBYd2R0LUhySkVrcDJfZllFTy1pXzU2NU5tOVpZWjdnRzZtZmpsbkRSM1dwQmVRUk9JOEI3enpMNXZaMjFZbkdxLU1nOGticzhrUFItaEJ2WmNXWW9aY2VQZkN4UmxjdmhZYXM4bTBZYlBlZE9KcFFkTjlsa0JjTUpza1VRQ28zYkE?oc=5) · S&amp;P Global
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-05-04 [Small bank failure drip persists as FDIC fast tracks sales - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxNOV94X2ZCdGlTNFBkSFlIMUdwbWJGVmFJRlFjcVJ6MHBzZE16YVdjY0FLb2dYT1gzc2xhVDBiRzFkTlBMYW5ENThHSl9MTTBPbExPRlY5bkVrdUlxcURCeWYwODlISWxRT1N6d1JtcXRNS19JaUlHb0FxRi0wRWIybzZVRDFyMHdnUXc1QzREQWwxLUFtNzdPSHZn?oc=5) · American Banker
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2026-06-17 [Dallas Capital Bank To Be Acquired by Oklahoma City’s MidFirst Bank - Dallas Innovates](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMk1ZcHV5R0xncW5TeXNFLXpxRm1MT1VIM1lMZlV6cW5ubnJsX0R1bURMMTllUmxzNk9peDlabEFiTnZiV3NMTlBKLTRnX2lOMGtieG9LN3VOREk4Q2lrZHBKT1lPVW13UUVMeVpkc0luMEwyMkVGRTFDYy1pMnJNWFM5dGNKSm1nczRJeGRyTm9RZUV6YjYzT0NrRQ?oc=5) · Dallas Innovates
- 2022-03-01 [SouthState Closes Merger with Atlantic Capital Bank - PR Newswire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQUWVmWFgyZlBDVUlHbkhHbmRxSm5UaE01UkwxR2FQQjhMZmF1LVM0ZGtSMGxUVUU1VXhXUzJORlFPMjZOWXZPV2V1MUdKeEhvRE1GVzZ5UjJaZ251d3FRdDdFdlB1Rk4ySlpwTERVdGZHMkRJSjRfdU9Yak8tWGpsc2x6U1JvMEtjdWd0LXJSN1lzLVRRcE5LU3RLMWcxNUEzaTNlaThxYWhZdk0?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19195 (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/59.json (key "19195", 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