# PARK AVENUE BANK
VALDOSTA, GA · FDIC certificate 19797 · asset band $300M-1B · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $849.4M | |
| Deposits | $724.5M | |
| Loans and leases | $534.8M | |
| Total equity | $16.5M | |
| Loans / deposits | 69.62% (p31 of band) | 78.23% |
| Liquid assets / assets | 24.85% (p41 of band) | |
| Uninsured deposits / deposits | 18.63% (p78 of band) | 11.67% |
| Brokered deposits | 8.18% | |
| Wholesale funding | 20.64% (p88 of band) | |
| FHLB advances / assets | 9.93% | |
| Tier 1 leverage | 1.83% (p1 of band) | 9.23% |
| Unrealized securities loss / equity | 0.61% (p46 of band) | 0.92% |
| AOCI / equity | 4.17% (p99 of band) | |
| ROA (annualized) | -0.52% (p9 of band) | 0.63% |
| Net interest margin | 2.25% (p4 of band) | 3.68% |
| Efficiency ratio | 127.96% (p98 of band) | |
| Noncurrent loans | 20.71% (p99 of band) | 2.23% |
| Net charge-offs (annualized) | 1.44% (p90 of band) | |
| Reserve coverage of noncurrent | 27.49% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 643.61% (p99 of band) | |
| Auto loans | $11.1M (2.08% of loans; DQ 0.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 177 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **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`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 11 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2011-04-30 [Park Avenue Bank closes - Valdosta Daily Times](https://news.google.com/rss/articles/CBMidEFVX3lxTE5fVmVVRFhya1l4aHhnZUV3cFIzWkN1VkhTblhsUU1Kb0Y5SWU5MlNkeE5SRnc1LThrTVh0NUFjX0dvVm1GM1JvZlRFR2VPdk9vS0FiOTNUOWVsdXhwbE5rYnNWSUhQNDV6ZHhHTDFqRnQ1LTVP?oc=5) · Valdosta Daily Times
- 2007-11-04 [Jim Lanier and Sherrie Harville join Park Avenue Bank - Statesboro Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOFljUGRQZThjUjZwc20wdmtSZVV6Qy1LRmZGZFRpUU9ZcEEwNk9LMWF5RFVQT2xlWW9qaTRjeHJuSGJFb1NqRDdvWHRVWmotWkNheWVWcFdtcEliTUg2MkJqbVFrS2dYZVFBT2pUT1QtMXZTR3d2RVlMVVJzbkR4bkYyTjVBbWx3SUNpWlFIa2hNbk5sekE5aGVoV2JTM1p0NDhrYw?oc=5) · Statesboro Herald
- 2025-01-05 [Heritage buying five south Georgia bank branches - Albany Herald](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcTdBdVlMSjBXdU14Tk43ZnZESzh5Nm5mUVVISVJqRzBPQW1CeWo4WjdtQXFrMmxaSnQtNHI3VGtCN05wSkpXaHo4YTdkR1Bkc0QwaTg2dDNKWDR0YUQwcEg3M2tEYWxZRGlRZkxvUm9Ha09BRllJS3ZOYXUzQ3V4ckFRVnUxUQ?oc=5) · Albany Herald
- 2024-09-01 [Howard Ezekiel " Zeke" Dorsey Obituary Sep 1, 2024 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE1kTXBfRlZXUHlCQlZGR0lFQXNHWnpCU0IyZ0RzLTVpdlNfR3d3NWphNG5QY2JCVWVzb1RYRXFMY2ZpeXNBbm93MEQ2Mms4bk9zdUJwUjRjMlFSVmNqcEZycXFqeHNaY290NDhnZTRfRQ?oc=5) · McLane Funeral &amp; Cremation Services
- 2012-04-11 ['Millionaire Matchmaker' Con Man Pleads Guilty to Bank Fraud - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNEMxMmhwMWJtUEZ0WWM3SzFwNGREZE41QTM5OXBmSlJRLUVpQy1aUEgzcV9YbUJGTWlCX1BLSnk4RGVxUnA4OFUxN0lUNzFzbXY1NmU2Wk9uM0JlcHVpVDd0ZWFTUlEtYzlkOXBiMHplRHNXelRsSmVsT0lMdmxzSHF5SEN3OHUzYjU4cVlZNjM1RU1TZDV3Nkp6YlfSAaIBQVVfeXFMTWRadGpIUy1hek41LVhmYmFQOHkzeXlSWmZrVmF2Y2FSMEtGb1JMOGM5U1lXMzd4dFkyc09xQWc5QXRRUHNKVi12UVZzWmtxd25Kb0J2eXBENkdBdDNkWDZsSHRuWDdrVkZmdEhoMm8taU9BUFhVSl9MOW9OWEZob2cxV0U3NFN0MlB5LTB3UmktUmkzZHBtQjRIb1Fia0c4aXNR?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2008-01-08 [Park Avenue Bank robbed; suspects captured within minutes - Statesboro Herald](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZjZ6TDJOcWYtazFTR2VRYlRHN3B3WFdFWkVUSDhiclg0NEpkVThmdDhhUmptX2t6MVVBSlBPZEo5ckQ5bVVnSG1ncVZleURkSXk2ZjNCV1ZxNkU1b2tNM1VBOTFIeWMtUDZENG84N0FObDFTSm80R1NrbUFIdDNKZGFjT0VDRkRWanVmY0hsSkYxb1VneDFVcEdaSnE?oc=5) · Statesboro Herald
- 2026-06-29 [Thompson (Tom) Kurrie, Jr. Obituary Jun 29, 2026 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMie0FVX3lxTE9xMVphQ2U5blhkeGRkSmtIOHNXUXExM3NuQ1FVRFF6bjQzbV92Q0VScXNUWHhaa3Y2dms1WGYzNkpCVElMWU4wM2p1SHJyVTN3MHR5QjM5RWhLdXZmbnpCXzNoSEhOMzE0NVJEUk1tejhjUnpHaGRTWVJocw?oc=5) · McLane Funeral &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19797 (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/21.json (key "19797", 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