# SPIVEY STATE BANK
SWAINSBORO, GA · FDIC certificate 19389 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $88.3M | |
| Deposits | $77.8M | |
| Loans and leases | $66.7M | |
| Total equity | $10.3M | |
| Loans / deposits | 84.99% (p74 of band) | 71.50% |
| Liquid assets / assets | 20.75% (p21 of band) | |
| Uninsured deposits / deposits | 11.79% (p43 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.57% (p67 of band) | 10.45% |
| Unrealized securities loss / equity | -2.01% (p8 of band) | 0.49% |
| AOCI / equity | 4.92% (p78 of band) | |
| ROA (annualized) | 1.34% (p80 of band) | 0.81% |
| Net interest margin | 4.27% (p82 of band) | 3.66% |
| Efficiency ratio | 71.08% (p42 of band) | |
| Noncurrent loans | 5.76% (p96 of band) | 0.76% |
| Net charge-offs (annualized) | 0.24% (p83 of band) | |
| Reserve coverage of noncurrent | 13.00% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 62.69% (p86 of band) | |
| Auto loans | $4.5M (6.75% of loans; DQ 13.63%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |

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

- 2026-08-20 [Annette Overstreet Lindsey Obituary Aug 20, 2026 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMickFVX3lxTE02UnBvMzBkTHlOUkl3UkhvREFpd29ON1JESWVXbEM0QWUtaXdiMEFwVDBtQmFfdno3VXgtUVZadElRTnM3QjdqQkluT0V5RXdUTVZycHVaTy1XLWZES21IOUFCeW0zLUNSdWdQcGV0a3Z1dw?oc=5) · Chapman Funeral Home | Swainsboro, GA
- 2022-11-16 [Robins Financial Credit Union Acquires Persons Banking Company - Emanuel County Live](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQRXozMTk0M1g3TWtVZEJvVjNxMHlIWDNkRGRZdGZYcTR4THNoaEhWVzNfbWVTZXF3NnVBMWIyd0swNGRhWjRFZTZfa1VXN1RWc0pTalctWWd3WHVjMDhmTUhmTmJYSFpRWWNYSlZzckxieU95ZXlYQjdfNGR3eFhfWE5EQVVndzZwQjRldGM3NDFBMkVuN2Fxdi12d1V1WVJIMUhabndmS05oQQ?oc=5) · Emanuel County Live
- 2026-04-15 [William F. "Bill" DeVane Obituary Apr 15, 2026 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMic0FVX3lxTE9JZndNRmt2Q004TUFubWJISkR3dUo3Y2NhMF9ucjhJZDZhN1k0UHowXzFVaVRNWnNhNEZSRHZPd3M5REFCcDByNnEyWmFJT3pZdjVkWkE2aWNqRDBVSHVqSjg1czhRN0dLYmw1WEFKWlhGc28?oc=5) · Chapman Funeral Home | Swainsboro, GA
- 2015-01-06 [Elvis, Marilyn, Johnny Cash to take stage at East Georgia State College - Statesboro Herald](https://news.google.com/rss/articles/CBMirgFBVV95cUxNSEhGRE9WOTZNSXBzVzZjZFYyWWdBb1gxQ3dqRldwRzlMUGF6aWNueW0zbnpQUmtXZGkyWVlqeVdQZVBubFh4SXRKaENQd3pfX1pBQndNaElmbmxacWExR3Q5dTR2VFpGLWowYW9yXzRwTkNCZzZlS0VBUkRTcWp6WmtmdlZHUnpDNWxfVEx4UHgtX3BUSFgyMkQyZk1McnlDS3lvX0FVOFZRbzNZa1E?oc=5) · Statesboro Herald
- 2020-08-19 [Charlie J. “C.J.” Bedgood Jr., 83 - Emanuel County Live](https://news.google.com/rss/articles/CBMiekFVX3lxTE1lRXhINUlNRTZBSUxONnlDV0hqdFJHRGpNREQ2MUNmRXdCejBBT2VBemIxdjExR3pzN3J5YTRLOGJlZTVWdUJuYm82aDQ1UWVKRmlHQy15TjhqZXpCQk9mOWJ5ZkU0OVpRVTVDdVBKZFhzVlNYS0RxX2p3?oc=5) · Emanuel County Live
- 2023-01-15 [Keith Randall Thompson Obituary Jan 15, 2023 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMicEFVX3lxTE1IT0pjT1NPQ0lUaFlmamthLW4wTFFIMGpPOGZhNnRNLUhSanJ3NVRhZWxaYXpUTUNPYktlNnRKcEdMdkJQRGZEOEozM1RRYUxjZ0V3WkJsMm9lQ1dTelhmYVYxZk1qT1dudG4zbFBhcXI?oc=5) · Chapman Funeral Home | Swainsboro, GA
- 2020-08-17 [Charlie "Cj" J Bedgood, Jr. Obituary Aug 17, 2020 - Chapman Funeral Home | Swainsboro, GA](https://news.google.com/rss/articles/CBMid0FVX3lxTFB4UEtzUkkxRVgtRGtNN08wdUxSeV9zSGFxTUFweEpieUJxa1pvckk4TmJkaTlMdTVTYUpfdEpNcGg1NkJERm5OOUFlMFRjc2xfQ0lvOEpFTzJOT1BQWHM3OHAtendodEVRMDgyT05mZ0NsYnRXeHJn?oc=5) · Chapman Funeral Home | Swainsboro, GA

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19389 (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/61.json (key "19389", 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