# SOUTHCREST BANK NA
ATLANTA, GA · FDIC certificate 2124 · asset band $300M-1B · 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 | $716.0M | |
| Deposits | $617.6M | |
| Loans and leases | $305.9M | |
| Total equity | $65.4M | |
| Loans / deposits | 48.94% (p9 of band) | 72.09% |
| Liquid assets / assets | 52.13% (p89 of band) | |
| Uninsured deposits / deposits | 24.81% (p48 of band) | 25.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.19% (p63 of band) | |
| FHLB advances / assets | 4.19% | |
| Tier 1 leverage | 8.24% (p16 of band) | 9.70% |
| Unrealized securities loss / equity | 11.11% (p97 of band) | 1.16% |
| AOCI / equity | -3.27% (p10 of band) | |
| ROA (annualized) | 1.03% (p38 of band) | 1.18% |
| Net interest margin | 2.93% (p26 of band) | 3.34% |
| Efficiency ratio | 73.13% (p79 of band) | |
| Noncurrent loans | 1.21% (p82 of band) | 0.40% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 100.05% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 78.98% (p85 of band) | |
| Auto loans | $416,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 21.5% | |
| Employees | 97 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | noncurrent p90 |
| 2011-09 | 2 | losing money |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | capital falling, losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2012-12 | 2 |  | capital falling, expense ratio p90 |
| 2013-03 | 1 | reserve under noncurrent | losing money, charge-offs p90 |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 4 | capital falling, losing money, expense ratio p90, reserve under noncurrent |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | noncurrent p90 |  |
| 2014-12 | 4 |  | capital falling |
| 2015-03 | 4 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 3 |  | losing money |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | expense ratio p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 2 | capital falling | expense ratio p90 |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | deposits shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | noncurrent p90 | deposits shrinking |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |

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

- 2014-02-18 [First National Bank of Polk County to merge with SouthCrest Financial in March - The Rome News-Tribune](https://news.google.com/rss/articles/CBMimAJBVV95cUxNVWV1Y05QaDlOV29JbHFlb1RMWWlXcDZUZzdtMmcwekc5TmZXYzcyTllLREJud29aVjNiaW9NSDN2TjF6OTZXdnRXUjliaG9EdnBJRmh6RlY5eGFrX19admR1N2dpcEZPY1hOS194aDVwMFJtX2F2QlZROG1sdzhHajNSTGxjSURwUFRvVjhWWS1CTi16RmdHYW5NeG5jVWU5YzR3WjY1dUFES1FTOE41QTZTMk5EYUwtbnNVc2UtQzk0ZnN6RWp2V1F2ZzhuVlZvckRFUl9RQjZJdTl2a25jYy03X0NIaWg4RTlCQmp2VnJQNWM0MENzMUNZdS1ES1ZrUlhpSW9oUU81UndaVWVkZEhNRExPRUVY?oc=5) · The Rome News-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2124 (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/12.json (key "2124", 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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