# HERITAGE FIRST BANK
ROME, GA · FDIC certificate 20761 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $201.4M | |
| Deposits | $182.6M | |
| Loans and leases | $115.0M | |
| Total equity | $17.6M | |
| Loans / deposits | 62.19% (p46 of band) | 64.15% |
| Liquid assets / assets | 39.66% (p47 of band) | |
| Uninsured deposits / deposits | 19.07% (p52 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.47% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.00% (p25 of band) | 10.40% |
| Unrealized securities loss / equity | 0.61% (p45 of band) | 0.89% |
| AOCI / equity | -1.26% (p41 of band) | |
| ROA (annualized) | 1.14% (p56 of band) | 1.04% |
| Net interest margin | 3.87% (p76 of band) | 3.30% |
| Efficiency ratio | 70.67% (p58 of band) | |
| Noncurrent loans | 0.85% (p69 of band) | 0.35% |
| Net charge-offs (annualized) | 0.08% (p89 of band) | |
| Reserve coverage of noncurrent | 151.17% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 33.17% (p73 of band) | |
| Auto loans | $640,000 (0.56% of loans; DQ 3.75%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 3 | losing money, charge-offs p90 | leverage <7% |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 4 | losing money | assets shrinking |
| 2012-09 | 4 | expense ratio p90 | deposits shrinking |
| 2012-12 | 3 | capital falling | uninsured deposits leaving, expense ratio p90 |
| 2013-03 | 1 |  | losing money, capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 3 | deposits shrinking, assets shrinking |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 0 |  | reserve under noncurrent, deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 3 | liquid assets <10%, expense ratio p90 |  |
| 2016-06 | 2 |  | expense ratio p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | liquid assets <10% |
| 2017-03 | 2 | liquid assets <10% |  |
| 2017-06 | 1 |  | liquid assets <10% |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | uninsured deposits leaving |  |
| 2018-09 | 2 | charge-offs p90 | reserve under noncurrent |
| 2018-12 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 1 | capital falling |  |

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

- 2026-04-15 [Rome Woman Jailed for Bank Robbery - Coosa Valley News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5xc1dYSmEzaHFKVDFnY1Vqc245QWU0WG13eW9mWG9tRm5CRVgyNW9FMmk3ZFJkd0h0TU5wQVJVeWJYdlE2dXZhRXhZMEM5UENlQlBybDdwbUtXbGd1UWt5SnhhNGtWMDQwb3pPMnFwTGM1cWhSUzcwa0xlRQ?oc=5) · Coosa Valley News
- 2024-08-07 [Riding a strong regional economy, a Georgia bank plans more branches - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxOa3FvQkFxb250elFBemYwWG5FYzUwVWV4bUtENVF1SlliWmZKZFcwYUZ1SlFwU0wwbWgyZ1g3S2ZORkFNN0puUFlVbmtwOXV5R2RMNXVvT1hoOVFyN2J4bzlqakdWMnZTUFYwUDE3Qmh2QUtmN0FoU0hJZTdmcXRKendpQkxQZDlfVTFfdUEtS3Q0VXRJNjdVM3pyT1I2bWY2a3V6LWJB?oc=5) · American Banker
- 2021-01-21 [First National Community Bank to merge with Heritage First - The Rome News-Tribune](https://news.google.com/rss/articles/CBMihAJBVV95cUxPV1FJWDJZeHc1VGNNbHo0dU5GMW9rRURDV2s0MmdrVE53QlZzOHVKU1MxS1lERHJ2VkhiYjlNT2RvV19jRXFSYXY2NTNkTWdBV09tT1FvYzhabDlBSHJ0WVZUV3M1LVUzaXpvdWdzR0JQbThpeEIyTGk2MGc2Y0JVYTA2Z2NQMGVsT3lCaHFuZXZCcG9uYkdiR21vczItNDhxY2ZfVjNVVFlueUhKUGZwemxCMk1oNVl4dGhmZVRZb2VBc0d5UEFFRHV4alhPUDJlU21Bak5WaGdiTkF5LUV0Q1VBSU5tYXczRFZxQ0FMUXVucEk1R0VsMzFHckZiSkNPOUlFRg?oc=5) · The Rome News-Tribune
- 2020-09-30 [Midtown Atlanta's historic 'Castle' to be auctioned - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRl95Y2VLM0d3ZUR6SHE1c2JiaEJ4OENwNWRTV2gyT2tHYXZtZ0VzRFY1b0NVMUNGRG9iUTZIN1Z5OS1KYm9NRDRUTjlfQXY4T3N4Unl6NXlLQ1FuTTBwLWcyZ3pnM21nT0Zhbnc5bENHVlNVYmdQVFh6ZzM5cGlfZHVDOWU0eC1lbDFISTN1YldyN0xGcWNUcWZuMVI?oc=5) · The Business Journals
- 2026-04-15 [Woman charged with robbery, accused of taking more than $10K from bank - wrganews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcFk1ck1Ub281bUR3OFpCVldtcU5QOGZTUDdZWFlIWUlzQTZWM0JYbXFqV1Q0dXFwaUFPVEYzWG1EampkV0szQmlCRjFieEFYRVU5MkpxTWNvcVY1VFFiTS1tYmRYZHVzSE5hYkNFVy1lN1I2NVFkWHFCbzR3d0JkU0xTS2pRTE15cmRzcGdGakROcHNRT0ZUcmhpWHhZNTd5OUszVE1fb0g?oc=5) · wrganews.com
- 2023-06-07 [Georgia bank eyes expanding in fast-growing county near Atlanta - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxPcURDSXRDT3B6Nzd0TURXSGdQQzZLUVVNTWJDbm1IMzUzQlNiMXppZ1QwZnVJYTFuYkhYTlpiejdNbzBrUFlEWXhDZENQLTA5d1hqWUt2QjIwTnZUUFY5ckhJSlNGR2F2SDJKUUQ3bVlkM2RScS0tTzNnSDZQYzMyOUJqQXZUb2NvaERybjZROVdWQlJDZG11a0NqODFvaVJE?oc=5) · American Banker
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2013-12-18 [Ty Wilkes joins Heritage First Bank as vice president and lender - The Rome News-Tribune](https://news.google.com/rss/articles/CBMihAJBVV95cUxNOVdYcGZZQlFRQldqUm5zLTB1QVFEVUM0czdEUkpybW0xbUtqaFRKMVp0YTU2WjF3Q3ZSSjNQNEpWMlVnMWU0T3ZoSFBhTnI1b3NaeDRvZ19fY2k5RGNlUDNwektMZ0J4MEY5N2VZUmJMWjMycVF0bWxvVDZBdDFrdHI1U1NacDZnalFkV1VsMHM2TndsYnRkS1dkdnh5OEd5dE9sYThtNlU1VnlPNXNFRng3MnZDaWZyc2VORXktUnNDbElUVGZZZkd3OFIzRGVheGJXY3hIS2VtR19GWXJXNXJqUm1pemhXMEsxeTJSblgxZUt6d3BiUnZEcklHN1hJVFVncA?oc=5) · The Rome News-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20761 (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/25.json (key "20761", 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