# MCINTOSH STATE BANK
JACKSON, GA · FDIC certificate 19237 · asset band $300M-1B · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $339.9M | |
| Deposits | $324.4M | |
| Loans and leases | $221.9M | |
| Total equity | $3.3M | |
| Loans / deposits | 65.76% (p23 of band) | 78.23% |
| Liquid assets / assets | 26.53% (p46 of band) | |
| Uninsured deposits / deposits | 7.61% (p30 of band) | 11.67% |
| Brokered deposits | 0.42% | |
| Wholesale funding | 3.71% (p30 of band) | |
| FHLB advances / assets | 3.24% | |
| Tier 1 leverage | 0.88% (p1 of band) | 9.23% |
| Unrealized securities loss / equity | 14.26% (p93 of band) | 0.92% |
| AOCI / equity | 7.04% (p100 of band) | |
| ROA (annualized) | -2.84% (p3 of band) | 0.63% |
| Net interest margin | 2.45% (p5 of band) | 3.68% |
| Efficiency ratio | 230.08% (p99 of band) | |
| Noncurrent loans | 25.11% (p99 of band) | 2.23% |
| Net charge-offs (annualized) | 0.03% (p26 of band) | |
| Reserve coverage of noncurrent | 15.42% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 1414.45% (p100 of band) | |
| Auto loans | $3.7M (1.66% of loans; DQ 5.19%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 83 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |

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

- 2011-06-16 [Jackson-based McIntosh State Bank fails - news-daily.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOMk5UeW50cEJYRDhaNGhERkRwYUJUb0JBUENMejUwUUhvRlBmT0I2OWxvLXdZRXBfUjNHVWZhSWhDU0JmaW9qZjhxblZjMFZ5OEJXRzNwQWhvcm5fYWRwb0N3NEVlSFM1aHJqaFdnZXVuSDBqT1NWZlRFSFNrOWNCQ29kSXhGcko5QnpPY2dxMDUtWGVnOEN3MFhjczl4ZmQtanB4YkppYWx0QVJpcnhFY2ctc3NjTkhuT2VPMGdn?oc=5) · news-daily.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-07-22 [Newsmakers in business, July 3 - Gainesville Times](https://news.google.com/rss/articles/CBMijwFBVV95cUxPdnkyZGhkNTM5QlVIb3hkMWtBOFhNQWpCQUFiVWtsdll5N1dwVFJrRmxWRWFaeV95cUk5dHptbGpxeVhBNlphR3JEQUd3UE0wVGJqeHRRWjdIZ3p4MXFRR0sxSnhiVkJVU1ZXNDZyMWpQMk5PNXZLWlRndnExcXc5Q1N6RkZQZTR3YlYtS0ZHcw?oc=5) · Gainesville Times
- 2009-04-30 [Historical Group Meeting, Tour Set - The Monticello News](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbzdZUXV3ODJMVE9tTWRRbmxPdWpJMURGUUtmUHZNUXV6d1lIbFhoR0tVa3NIdzR3dVZ2Z0Z1ZEFtcGV0YXo3VVdVYU01X2R2N19walBiaEFIblZVVnBMWHBqbXhUVlpHa1VIdnc3Y25tSXVJRWZ5UUhiXzd5WmU0WnFqbUdyQQ?oc=5) · The Monticello News
- 2023-05-07 [James M. Tennant Jr. - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZ0x1c2JtZnBYTGFIakU1bTBUV2haaElHSkM0bnc5eFNXN2QwV19FOWZlaUcxUHN4bkl0dVlELUlja3Brbi1mdktWeUE1aUY2b2dzdEsxZUxUZ0tDcTQtU0Z2SUNhNGt1dDlUbjh2WjBYNmNrWlBNdkVSNHJBRFBFTmY0WTk3YUJiRmwxQTduWlU?oc=5) · legacy.com
- 2010-05-18 [Nancy Jackson Obituary (2010) - Monticello, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNl9Kc2ViTlJsYUZENnhRR3BRc3F1Y3NKZUdWMXdhRjJFS080UnZ1UF9Mc3hYMXVzZk9MU2RfU0RmbHhZaUNKWHl5YWRHYnJRdWttM1o0ZXZ5dVFZcWs1dHVBU1p6ZmE0WXJvY2kwVm0tOXJ5LTFacE9KcDZ0ME9GeHpnUUFQaE55Q3c?oc=5) · legacy.com
- 2010-03-11 [Audrey Atkinson Obituary (2010) - Covington, GA - Rockdale Citizen - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPc2E0cTUxZnhlV2ZUUXJ0TnNCdjJvdmFLRnZBUzZMRC1NUm5QQ09meGc2dXduSTRFMDFuYTN5RUY2Uzk1UTlxT2tSWFk1Y09QMF83T2xrN0JOMTJNdDBsNzBvdGZNZ2p0LUlyNnRTaE1aLWJETVA1VXRMOXNPU3U3alNxb1dWVFl4UkMzTEI1QmVkZ2FJZmN3X0lB?oc=5) · legacy.com
- 2006-05-14 [Charles Lusk Obituary (2006) - Monticello, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdVNBTlFubVAzWkU4d3gtTWJHcU5KYXZpNjFUZlVYUU02ZGZRN1R1cjBmUG9vajJkUm85cEVEUjI1MEU2Ul95bkYzSmY4bmZWZHhxbXI2TXQ1T3lQb0JmdmpfaS1wNXVjOFNLbkZ1WlVSajJmLUp4RFZ4dnp5MUdYbUNYc2cwZkY5?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19237 (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/37.json (key "19237", 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