# COMMUNITY SOUTH BANK
PARSONS, TN · FDIC certificate 19849 · asset band $300M-1B · latest filing 2013-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $386.9M | |
| Deposits | $377.7M | |
| Loans and leases | $266.8M | |
| Total equity | $5.1M | |
| Loans / deposits | 68.56% (p33 of band) | 76.35% |
| Liquid assets / assets | 13.50% (p9 of band) | |
| Uninsured deposits / deposits | 4.43% (p5 of band) | 16.95% |
| Brokered deposits | 2.58% | |
| Wholesale funding | 3.14% (p35 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 0.56% (p0 of band) | 9.87% |
| Unrealized securities loss / equity | -10.89% (p5 of band) | -0.27% |
| AOCI / equity | 0.43% (p99 of band) | |
| ROA (annualized) | -2.99% (p0 of band) | 0.82% |
| Net interest margin | 3.99% (p76 of band) | 3.54% |
| Efficiency ratio | 142.79% (p99 of band) | |
| Noncurrent loans | 15.54% (p99 of band) | 1.37% |
| Net charge-offs (annualized) | 1.92% (p99 of band) | |
| Reserve coverage of noncurrent | 19.04% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 276.02% (p99 of band) | |
| Auto loans | $3.4M (1.29% of loans; DQ 4.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -18.6% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 11 | losing money, charge-offs p90 |  |
| 2011-09 | 10 |  | charge-offs p90 |
| 2011-12 | 12 | capital falling, charge-offs p90 |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, losing money, capital falling, charge-offs p90 |
| 2012-06 | 13 | losing money, charge-offs p90 |  |
| 2012-09 | 12 |  | wholesale funding >15% |
| 2012-12 | 13 | expense ratio p90 |  |
| 2013-03 | 10 |  | brokered >10%, uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 12 | capital falling, charge-offs p90 |  |

## 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
- 2019-10-01 [Tennessee’s Trust Company Bank becomes second bank failure of 2016 - HousingWire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaVQtNURvVjRJMTZLeXZ6Q09xbUI1VXlCQlVuOF9WRDRXZkROZ1NTbjlOeDdIaFBlMWluMmZmRTBTdFlFNkVlZTBMd1pkbThUZFVsWVVVMExZUGdVRy1zd25TeVpVMGhaRUhNd2dUR243X25BNlR4bUtBODhuZ0o2cHU0TTBydDY4TnRiejR4M1VyZWJhQ1B3dThEZlZmT1cxZEQzU1lLZWdWU3plWGc?oc=5) · HousingWire
- 2014-03-03 [Banking on a new home - columbiadailyherald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZm5zSURGSUlqUFJscFl2Rk9vVER0eHlZUWktQkpmcU1Db3AzNFp5MlFxSHFmUERXa0RRODdzcjBzLVNtVkV4M1NwSGE5dDVYU0FicEJkbmdJTHhDYTE1bzB4YkFxX1ZwcXhWbW5Odm9YR0hJZW52WTZSUmhwNk05MEFlcHRXd1ZFZDMtODY0eFBzRnQ1cjJTNUNXQ0U?oc=5) · columbiadailyherald.com
- 2023-01-25 [The Peoples Bank Plans Relocation Celebration - Lexington Progress](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcUxsV0RRMkNwZVZQcTM4bmpOTTVXSWZvck4yT1VEOXJ3ZDNjNnBwVUVxZWhIbFdldFhZM0JxRFNoakZjTDR0QWRVMzJCNHNIb3hPSGNlZlg2dzQ3MzB4bXo0cnMyNjF5SUtTTUlqWTZqYTdDbFowTkJvNlFoZjhGN2tMWEN2M3RqVUI2OE5wVHpWaWcyUWc?oc=5) · Lexington Progress
- 2022-01-06 [Virgil Lynn Avans Obituary - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9VdjVsdjJpUzJRcnJnYURWWlZDbE9Ba1o4VHoweExBQ1k1dzVYY2ZtSUZYcVkxbmc1Z1RIVmNFaTNjTkFUeGxwMmNHNWJ2MGptS1VDSWVsWEk?oc=5) · Knoxville News Sentinel
- 2021-01-26 [Rex Hinton Adkisson Obituary Jan 26, 2021 - Shackelford Funeral Directors](https://news.google.com/rss/articles/CBMidkFVX3lxTE5mSFV2cFZvdHUxckw1QWNudTJPS1hNNVd5Mlh1ZWg2U1B5akk2dkRSbUlFNDZUVnhGTVh1OUN6eVBtUzlkWk9DMEx5cGFNMU80ZWlRaC1ZWTdudUxOVjhiaHZHOEEzT1dteFhSdjVDNjlFcVRVc1E?oc=5) · Shackelford Funeral Directors
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2011-12-29 [Mark Ahlberg Obituary Dec 29, 2011 - Williamson Memorial Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE5pc25VUVh4bHI3c2t6NXpfc2pMamVKMnRmM1JnTWRVbkU1Yk5tYW9uMHRHWFdHcXZCelZCbFZpQm9MVW94S2FTTlVMbzNLOTVhQzQxa09RdE5NQ1M0WGsxRHM5UTU0aFduM2c?oc=5) · Williamson Memorial Funeral Home &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19849 (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/9.json (key "19849", 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