# CHESTER COUNTY BANK
HENDERSON, TN · FDIC certificate 19813 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $71.0M | |
| Deposits | $62.4M | |
| Loans and leases | $25.5M | |
| Total equity | $8.5M | |
| Loans / deposits | 40.29% (p8 of band) | 77.89% |
| Liquid assets / assets | 62.71% (p92 of band) | |
| Uninsured deposits / deposits | 12.18% (p34 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p53 of band) | 11.44% |
| Unrealized securities loss / equity | 2.20% (p80 of band) | 0.54% |
| AOCI / equity | 7.49% (p90 of band) | |
| ROA (annualized) | 0.78% (p34 of band) | 1.03% |
| Net interest margin | 3.49% (p30 of band) | 3.82% |
| Efficiency ratio | 72.82% (p59 of band) | |
| Noncurrent loans | 2.00% (p83 of band) | 0.54% |
| Net charge-offs (annualized) | -0.42% (p1 of band) | |
| Reserve coverage of noncurrent | 79.30% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 18.20% (p53 of band) | |
| Auto loans | $1.3M (5.17% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **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 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | reserve under noncurrent, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |

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

- 2025-09-18 [Nancy Rush Obituary Sep 18, 2025 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMic0FVX3lxTE9GTGdpRFVtdS1VcVBneGdzdWxKam1fRVI2VFdVR0hETHpfU20zVFZQUjd3dlNUUVlmT0JkRGJlbmNUbTFtb0JOdUctajFNazNsbVk0U3BXTUFrMnBFaWJjQlhfY3VyY3EtZmtZNlpYa0JtNG8?oc=5) · Shackelford Funeral Directors
- 2025-09-29 [Bobby Hysmith Obituary Sep 29, 2025 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTFA3SHhBUVhNTXpQUHZOZERMUDVtLW9LVHRtTmxyMThXQm9IQnNPRTBEOGdWWVdULTFneUFxVjk1bzE4VkdpZUk2NkN0VTcxMkQyTXZFUVZ5SHZvR2plem5BZ1NZYktWRkxwbTlKMVl5UF9FaGZzUWpZ?oc=5) · Shackelford Funeral Directors
- 2023-06-15 [Diann Carson Obituary Jun 15, 2023 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTE9UZVBPbHNtRUMyQ0t0UWRDLWZIUFNKc0RxRUF1aVZHUjFHZEI2TW9uRFMyWjZiXzlhamNibnpjVU9GTW5CMjExR2pCUzJVcm1tSnlnSlRvMEkwOE1ORDA0UGFfNE9VNng2ekljUXpjOVBuV2U1UGlr?oc=5) · Shackelford Funeral Directors
- 2022-10-30 [Jack O'Neal Obituary Oct 30, 2022 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMic0FVX3lxTE4tb2JodlFCeHdKOVNkczlPUXFIVndSYjcwNkpOeENONDdUdDU3TEtUanYzVjExdlpta0JpMFZZUE9pZlR3UU5DMXVodzdjaXhGVklZdmozWkNIY3hVZ0hVV0p6RkJDa0JadF9FT20xWDBRWTg?oc=5) · Shackelford Funeral Directors
- 2023-02-16 [Dossie A. Talley Obituary Feb 4, 2022 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTE5jclFZODJSaXFoa1RrTWpOT1pZSGd5Uzk0MGdCRnNaZ1YxVzBudUFDMG9zN3hkNEtZdEVFUnJnT3hVblIwRE5DRDktLWVkVGpvUVo1U2RKQ3JqZnVWeXlNYmlDN2FJc3pfd1Z3T1ZWdTMxMThFNnhz?oc=5) · Shackelford Funeral Directors
- 2018-08-25 [Tommy Casey Obituary Aug 25, 2018 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTFB3ZGVyTnMxWF9WUHU3YjhkcnpYZFVsV3BMSkFYS1hkR0ZPZlJHOTBldHFFUTNhWEQtYy1hcmhRcXYwX1NWem45ZHFsRE1QbU1zaU55Sk9CNkpFTjUyUnpDVmszM3pDNTcwV2VDOVVmT2QwRTZu?oc=5) · Shackelford Funeral Directors
- 2021-01-10 [Shirlene Lyles Obituary Jan 10, 2021 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTFBhVmI0NTloQW5qRHVWVGFGVlozTmgydlFlOXJ1d0tyZEIySWhDZlRQMGxhcTM1bnZZZWpYWUZSUTBLUXlnZ0p4LXNwejg4NUdHU3RIS1JLdlhFUFVYMld1OWtCNUlsc3FYMWEwRkhmX1Nxd20zajVfMQ?oc=5) · Shackelford Funeral Directors
- 2016-06-24 [Wanda Garner Smith Obituary Jun 24, 2016 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTE03dEx3V1ZYdEFTZ1BTZlJkR0FXUFFYN2VkeU1mbnNJOEUxNER6b091TV9DOVo1UG80dVRrdXo1Vk9LNU5WaHFITmJRMFFtek9qdzFfNEJRT3drR2tHd3loVVF6eExCZ0t0NDdCZ3ZFY19jZGd0?oc=5) · Shackelford Funeral Directors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19813 (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 "19813", 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