# BARTOW COUNTY BANK
CARTERSVILLE, GA · FDIC certificate 21495 · asset band $300M-1B · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $314.0M | |
| Deposits | $290.0M | |
| Loans and leases | $222.2M | |
| Total equity | $852,000 | |
| Loans / deposits | 76.28% (p45 of band) | 78.23% |
| Liquid assets / assets | 18.35% (p20 of band) | |
| Uninsured deposits / deposits | 1.09% (p3 of band) | 11.67% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.01% (p46 of band) | |
| FHLB advances / assets | 7.01% | |
| Tier 1 leverage | 0.24% (p1 of band) | 9.23% |
| Unrealized securities loss / equity | 15.14% (p93 of band) | 0.92% |
| AOCI / equity | 13.15% (p100 of band) | |
| ROA (annualized) | -2.21% (p4 of band) | 0.63% |
| Net interest margin | 2.34% (p4 of band) | 3.68% |
| Efficiency ratio | 264.60% (p100 of band) | |
| Noncurrent loans | 17.95% (p98 of band) | 2.23% |
| Net charge-offs (annualized) | 7.34% (p100 of band) | |
| Reserve coverage of noncurrent | 2.52% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 3044.60% (p100 of band) | |
| Auto loans | $899,000 (0.40% of loans; DQ 11.90%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 64 | |

## Flags firing in the latest filing

- **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 | 10 | 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)

- 2016-09-09 [Suspect sought in Bartow County bank robbery - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVEYybHFCa0djN0JFWmFiV0NoWXp4a0ZoX0xlR1RsUzVZNXFNZHNWYWtlaTFXVjhTN2VvZ2JicjNtWGc1bHhXMW13ZWVhV0pIeHBfeF9rUXNtVkdYUlJVWkpkcnFxbTNFVU1DY0hzeHMtRXhUXy1TRWl0ODZUMDRUY2lSbw?oc=5) · FOX 5 Atlanta
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-12-19 [Marilyn Olsen Obituary - Cartersville, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPS3k0UGhpNHJ1ZHdJeEI0M2hUWE5sQV9XSzRnY3lNQ3UyMjhlZHFZS2M4MkRrNzdBaU1meFBERjFxRF9qLVpfRzdlNHBqUjBiZ3cyeU5vRHhMMjAyTjhPRE9QRkxGbkJVVXNzNFhSNGl4Ni1MRDd1RDVKNFhQT1dCc2FnSXFSNkE?oc=5) · Dignity Memorial
- 2011-04-15 [Rosemount bank among 6 seized by FDIC - Pioneer Press](https://news.google.com/rss/articles/CBMiggFBVV95cUxOR3hycm1SVm1Ba3ZEaGxMR2ZmSExvYmJLQ09IRUZHSzlQdGExNTlvcmRuMWIzQVdtbzdHc3B6Z18zV0ZxLTJTR3o0NkRzdE5CdHZYNUhzMk5kUkZiWE1mTU54RmpBdzV6akx4TTJ5ZWZudzNYdHk5akgzQ1pTM3IweG5B?oc=5) · Pioneer Press
- 2025-03-17 [Linda Martin Chance Obituary (2025) - Cartersville, GA - Georgia Funeral Care - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQWprLU1tQnhZSTF2UHg5bTg5M3ZGWlBfb1drQ2puNGxaZjB0Z3VfT0gtOVFxUHZBY0dXaExiYnZuUXg3Xy14YmpoaHoxSEVQYVItaVlmU0xOWTlfa0hZc3B5M05CckJyRnF5YzN4S1B6WHRsTlMyUEpLbi1RWHJQWQ?oc=5) · legacy.com
- 2019-01-27 [Robert Mansfield Obituary - Cartersville, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOMnJNSFNFSzBLcVplZW55SzhDcEhVT0hLdGpPSG0wMXFoeE4ycjN2UnlJTXFubmpXb1dfM05XWm5WX2NuaHYyTmtZVEJidEtkVXBGVTBWTGV1eXM5Z2t4S0wzdi13eEt4aXJDcTBrajJZbjNIY2IxUU9hdkhhc3B1R2F1bTdCeE1rTWNn?oc=5) · Dignity Memorial
- 2015-01-16 [Julius Shaw Obituary (1929 - 2015) - Atlanta, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQc3V2UmI0Y1pNdy1jdi1fZ1lMa0xZblZQU3Jzak1DWksyYy1VMjBtQXY0TDdGWnppTndVeUZDSzR3OFNVNWExU1pqTzZuSUpxcXppdWtZcDREaDFfcjFNeW5xc2M1S2tjSGxUaEdHRVR4a1N5STlKc3lpaXFfV3ltN3lPWEQ1WUFXQUE?oc=5) · legacy.com
- 2024-02-17 [Richard McClurg Obituary - Cartersville, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYl9VcVdEcGM4TDNVREdfUUw3dGZFQl84a3VCME12LVhCMld6Nmxwc1NTRklzMjZTOHJPUjBVUGFCWVljMXNULWxyaTg4Wk80c2pNRUFuNkRrVnE5X2FOTmFOR05KVEVnOGhYZndYT0NYeEtSZlpNRDhuMVNsWFhDeDd5NWRmUHZUZFpr?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21495 (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/55.json (key "21495", 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