# FIRST AMERICAN NATIONAL BANK
IUKA, MS · FDIC certificate 19226 · asset band $300M-1B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $378.2M | |
| Deposits | $356.9M | |
| Loans and leases | $235.8M | |
| Total equity | $16.2M | |
| Loans / deposits | 65.13% (p25 of band) | 79.68% |
| Liquid assets / assets | 33.72% (p67 of band) | |
| Uninsured deposits / deposits | 12.50% (p9 of band) | 24.93% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.16% (p17 of band) | |
| FHLB advances / assets | 0.16% | |
| Tier 1 leverage | 9.69% (p36 of band) | 10.32% |
| Unrealized securities loss / equity | -120.93% (p8 of band) | -27.41% |
| AOCI / equity | -20.05% (p5 of band) | |
| ROA (annualized) | 0.12% (p6 of band) | 1.05% |
| Net interest margin | 3.61% (p57 of band) | 3.46% |
| Efficiency ratio | 90.19% (p94 of band) | |
| Noncurrent loans | 1.16% (p87 of band) | 0.25% |
| Net charge-offs (annualized) | 0.05% (p82 of band) | |
| Reserve coverage of noncurrent | 124.01% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 113.45% (p82 of band) | |
| Auto loans | $9.2M (3.88% of loans; DQ 2.40%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 114 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 | reserve under noncurrent | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent, capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | AOCI drag >20% of equity, expense ratio p90, construction >100% equity |  |

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

- 2025-12-16 [Curious Nashville: Why did a Nashville bank release a Christmas album? - WPLN News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYmwxWnNxMmRiUUVvNTNkNi1DU0FnUl9jUk5YUkxBd0VONjdlTFpNVmx4ZWhUaVpVNWtLeXNrR056a3o4ZkNZZGtJemcwcjJEVHdFSHh0N3psZTlUMDBnRHhqbk11akR6VDFqY0l3WWFIRFlhUWVWSDl0Y3dzYXh4aWE2OU9TYy1kS1ZZNGZEM0hWVVBXZTBjNmdrRzZmUDhJZGc?oc=5) · WPLN News
- 2014-10-18 [First American National Bank’s Mike Webb appointed - The Clarion-Ledger](https://news.google.com/rss/articles/CBMivgFBVV95cUxQZHlvcWx2SEJNRGtyVm04WHNLZFZOb000WnhsUkd5WUhuWFBDMUNzdzVrbV8teWJVWThFbDFkMmRuZEh3dEJmSHpDT0w4c1FVZFdtZVBrVVVOQU5Ic0VrLVhqLTNUNFc5cWhvOE5pMWhfSnpOZ2lsYWlSMXpGbDlTbUlFcUtra2lGVzlnTDdiSFRLdlIwYkNqRWVzbkJwVkJXWVYwcUx2RS12ek5xak9BOUdWV2YwelNsTkZaV3Vn?oc=5) · The Clarion-Ledger
- 2018-07-11 [The Boss: Regions Bank's Lee Blank went from 'Sweat Hogs' to business suits - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNR2czT21WVmR3NUNXc3NVcUhlR2RGaE1CS245U3hVM2pCblJOQ3p2elpGTFZYV19rdEJQVXc4TXFIcjZJcDFqbWZzNnZVTGJETmplRTRHU1M4NFF1ZVZqaTVvMUxoR1hhTTdSS1c5SnRNSWRENzA3UjhGYXZwT3dIUnNud2tiaDZJR2ZZQldsR3pzSnFORUZKX2hFc3JoUWtCbWhIeGlEeEdrUQ?oc=5) · The Business Journals
- 2016-01-02 [Donald Mullican Obituary Jan 2, 2016 - Williamson Memorial Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMibkFVX3lxTFB1QkRlcTFVbERRUTg0YzdOOG1wc2NGR2tjQ1Y4Qks3ODAtSE1IVmtqa1o4YTZwZUpSOG9vWTc5SVBjOXoxc3VtTGVSVTc3Qk12QVR2amVTZDU3T1RrV2NIck5jUmwwcTd1cWNnMjJR?oc=5) · Williamson Memorial Funeral Home & Cremation Services
- 2018-02-21 [Edwin Clyde “Ed” Neelly III Obituary February 21, 2018 - Pegues Funeral Directors](https://news.google.com/rss/articles/CBMiekFVX3lxTFBNYWpRcksycnlHV081eldXMkVnTVBfSExXbEhSRlROS25HMnJoM1I4Y1VqUkVfSGd5QmxFbFBsSnFScmxIN193SHJDTXBJam4tMEVRRUhyVFhmQlcwZExXYnF3Rk14N3U0LVNibGhqUVBHTzJEZGwtdVpB?oc=5) · Pegues Funeral Directors
- 2016-12-20 [Ouina Roby Fletcher Obituary - Nashville, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPMm1HNnFENk80Rm9tQjJYT1ROZmdDd0VHWTAyenZpMjVDOG5NXzNOVlhZc3h3aFNlam12SEprOTBCWU9RenRjVDdhZWVqVVJGenlhTGpPdlNSNmlaSmFQSUVYM1VXMHJmS0s0OGdtZHJsZVdQT1lrRmE5N05tLVlWVlVYSVB2NEJDdnJj?oc=5) · Dignity Memorial
- 2021-12-06 [Bobby Elam Obituary (1935 - 2021) - Corinth, MS - Daily Corinthian - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdWlrUTZLZWNFTjZEa2NPVjFfR01aLTdyTklhWVhaWVlSMjlFN3lVWVZ4WHI4YWQ0S2FWanhDODZBUkxZMjZrcmp0NllZRzRMTEtHZVljVjhZbndDaWJISzZDYmFRVTRXeWs4UThLTndnUnZxWktfa2ZETHlWdDdlVjl5WElfMEtvaHpnVlJaemdzUGM?oc=5) · legacy.com
- 2015-09-30 [On the Move: Community Bank - The Clarion-Ledger](https://news.google.com/rss/articles/CBMilgFBVV95cUxPV0J5alIySWNoMHpJSk0tRVhjNXdNNnV0azBjUTdKS3MxLVQ2ODEtYmF2ZUlIN0ZyRkxFbDVhZkgydE9Md1FEQXdkNWl5eENMWkM2R0lLT2p5aVdZX2hZR3RKS0wyMG5tM1dFQWlTR0hrVTJtVWFoM29UNnRBVVltSnQyUjczalFYS0ZiYjFuQnZyYU1oYnc?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19226 (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/26.json (key "19226", 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