# FNB OF CENTRAL ALABAMA
ALICEVILLE, AL · FDIC certificate 19468 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $289.5M | |
| Deposits | $256.8M | |
| Loans and leases | $178.2M | |
| Total equity | $30.0M | |
| Loans / deposits | 68.49% (p36 of band) | 76.50% |
| Liquid assets / assets | 32.69% (p55 of band) | |
| Uninsured deposits / deposits | 29.59% (p88 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.52% (p37 of band) | 11.35% |
| Unrealized securities loss / equity | -2.46% (p16 of band) | -0.33% |
| AOCI / equity | 3.02% (p83 of band) | |
| ROA (annualized) | -1.66% (p2 of band) | 0.99% |
| Net interest margin | 3.79% (p50 of band) | 3.80% |
| Efficiency ratio | 144.36% (p99 of band) | |
| Noncurrent loans | 0.11% (p26 of band) | 0.56% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 1200.00% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 46.39% (p77 of band) | |
| Auto loans | $539,000 (0.30% of loans; DQ 1.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 1 |  | assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 0 |  | expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | capital falling, losing money, expense ratio p90 |  |

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

- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2023-07-11 [Newell Harper Moss - Pickens County Herald](https://news.google.com/rss/articles/CBMiREFVX3lxTE5tZ2M2bFVJMTVPeGJyVjZBR3hLVHVWQk9jRl9VTkVib2pHbDNUSFczdXo3RVVmcUxwQ3RWN183X0FBR3Nx?oc=5) · Pickens County Herald
- 2019-04-21 [BUSINESS BUZZ: April 21, 2019 - The Tuscaloosa News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQTTIyT1Nzb1JqbEFEeWF4YXRLekU1RXhLR3g0LWU2X2RqTzZtc1IxcUlJalA1S0VCdzJCRXdkYUJsQ0J6aEhpMnBoeWdTZTRHNDF2NXFweGx3cGpyMkNlUmlwVG1XdFRSYU5KOTlYYXZtb0dfc290THNLTWlSRE9WZTluSU0zRkVoOTJiT1lZUEJrNjgyb2pXcXdDNmw?oc=5) · The Tuscaloosa News
- 2020-12-31 [James Flemming Obituary (1943 - 2020) - Tuscaloosa, AL - Tuscaloosa News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQb1dPdFhaeG12M0xIUlFNV0p5bE5BSm9XRHcyMzRpdV94LWRCU0lXbUpCSl9TZHZfQlVFdHdqQ2dDa0xCbmNLZWdTc3phcWpka2ZvbFlnd2JPUzhwV3dvZUVMeV9aclRJS2tLalQ0N21XdmlGbDc1MGNXX2RDTWsxZEw3UWZrSEMwYXFQcFhodjY?oc=5) · legacy.com
- 2018-09-24 [Career Notes, September 2018 - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1CUFNfVkhMalBxV1puZkxoSFlTaU01MkNoS0M1RnF1R09pNUloRnpRdEctYzNTeG42dHExeElDLVJZT0RoQndLaW9OSXhiTWM0b1JDWGFPa1pndGtBakp2MkpSelRibnc?oc=5) · Business Alabama Magazine
- 2022-09-14 [Ball Pleads Guilty and Sentenced to 24 Years - Pickens County Herald](https://news.google.com/rss/articles/CBMiQkFVX3lxTFBPTXlsdXJMeUhwZ0JjTm1na1J2UzR6ajBraFNzMXVVRmdlaWwta2MxMER4WVdiVlB4aTg4X3U2Y0xsdw?oc=5) · Pickens County Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19468 (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/12.json (key "19468", 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