# SECURITY STATE BANK
MCRAE, GA · FDIC certificate 19680 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $70.5M | |
| Deposits | $61.0M | |
| Loans and leases | $33.1M | |
| Total equity | $9.2M | |
| Loans / deposits | 52.89% (p23 of band) | 73.59% |
| Liquid assets / assets | 49.48% (p77 of band) | |
| Uninsured deposits / deposits | 18.23% (p44 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.11% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -8.19% (p45 of band) | -6.57% |
| AOCI / equity | -1.52% (p18 of band) | |
| ROA (annualized) | 1.92% (p84 of band) | 1.17% |
| Net interest margin | 5.49% (p96 of band) | 3.93% |
| Efficiency ratio | 61.73% (p40 of band) | |
| Noncurrent loans | 0.59% (p59 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p81 of band) | |
| Reserve coverage of noncurrent | 426.02% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 5.02% (p29 of band) | |
| Auto loans | $576,000 (1.74% of loans; DQ 0.17%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | charge-offs p90 | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 1 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 1 | capital falling | deposits shrinking |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 0 |  | uninsured deposits leaving |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

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

- 2025-06-26 [Security State Bank announces new president - mesabitribune.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxONG1meGdIaGQya3BHV29iY211YzVmMWRfU25tQTVMWG4zbFgtTk9lX2ExcnFINl9pSzBBVTRUOTVuVDZjdjh2QzVlcWhTcFF5cmxmQlJlZnUxV3RiRGpmWEYtRVd2NENGX1ZVdmFxRVJ0REVXUmgwd29wX1Q2dFV0SFpwZ1FGblY3aWlZbkhBcng4anlVbmlUZDQ1YXBHeXZrLVhpaWxWZXdTSEFoblZ4c1lleGt3aEd0VlhhZDZOSHZCUG5nOHJFYWw1V19paE1FOTdj?oc=5) · mesabitribune.com
- 2024-05-24 [Gesa Credit Union to buy Washington bank - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZ2RHdkZ3V1QwZWs1X0VkOEkySEtxZi1HVDhhY09fY2FSX1dRci0zNlpHQWRZTktmYmlhNmtPSWIxd0VLUGpCSUVKaEVMV3dwUWJNQlhlQWtFclp4OUtheVI3bVRHVnB2RFN1NnhZeFl0YWViZkliemQ4VGhjWlhRQlJVZUNoaFZhMEZmTVBycUdJUnBwVkI0MWVGSkNXTWhZdm5lR2doMmlrZw?oc=5) · Banking Dive
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2024-04-04 [Leo Stucky Obituary Aug 20, 2006 - mahnfamilyfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE0za1NBQnJCOGgtbFVuRjJBelJuaUpzX0Facks3RmNHdWw4UlFwOEtjZHlPZEh4U1NUMmJtZmhncHVyX0hscjNfVjBQbjgwQ1lud1MtZnhKWkpEUUlYTDVDQmVkVVd3NWVGLXZv?oc=5) · mahnfamilyfuneralhome.com
- 2021-05-28 [Spring budding a green economy for McRae-Helena, city leaders say - WGXA](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNDVqVmNIQXB5WVFuemQ4N0JsZUtMNk5DdW04QVlMeDRwM21VUDlJN1JicXlOLU5QVm1ULXFJUElaWnBaQkQ3emlESUNQQ2lEYVg3cDVPdURPZUdkWDdjOEtxdHc2RzM4b3hOM2czOGdfNWlheVZaOUhobVY1N2hkbGpZQ1dNZE5NRkE2VlhTNVBzZzhpSWc?oc=5) · WGXA
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2026-05-14 [Kenneth Stephen "Kent" Dowling Jr. Obituary (2026) - Sumner, GA - Durden-Hudson Funeral Directors - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYVhyYkc4SDM3RXNuTjVzc216bDB3SVhiMGpsQTA1aTJvR24wQ0w2M1lvWWxZTU1TZFBsWHdhOGMtaGhMUGhmVk1xT2pLeXNLWDVta1FxMEpiUmJwQmJiNDFCN3RYSnRGeHRtamJ6TFk4NkZjUXpjR1lrWXdNa2hrU2thTHg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19680 (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/32.json (key "19680", 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