# GEO D WARTHEN BANK
SANDERSVILLE, GA · FDIC certificate 2154 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $190.3M | |
| Deposits | $162.9M | |
| Loans and leases | $107.2M | |
| Total equity | $24.6M | |
| Loans / deposits | 64.86% (p37 of band) | 73.59% |
| Liquid assets / assets | 37.47% (p59 of band) | |
| Uninsured deposits / deposits | 25.72% (p71 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.01% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -9.23% (p42 of band) | -6.57% |
| AOCI / equity | -2.33% (p9 of band) | |
| ROA (annualized) | 1.10% (p47 of band) | 1.17% |
| Net interest margin | 5.85% (p98 of band) | 3.93% |
| Efficiency ratio | 75.61% (p71 of band) | |
| Noncurrent loans | 1.27% (p75 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p89 of band) | |
| Reserve coverage of noncurrent | 111.54% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 25.44% (p60 of band) | |
| Auto loans | $5.6M (5.20% of loans; DQ 4.41%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, assets shrinking |  |
| 2012-06 | 2 | noncurrent p90 | capital falling, assets shrinking |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 4 | capital falling, losing money |  |
| 2013-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 6 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2014-03 | 2 |  | losing money, charge-offs p90, expense ratio p90, assets shrinking |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 2 | capital falling | charge-offs p90 |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2017-03 | 3 | capital falling | losing money, expense ratio p90 |
| 2017-06 | 1 |  | charge-offs p90, capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | capital falling, charge-offs p90 |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | reserve under noncurrent |
| 2021-12 | 2 | reserve under noncurrent |  |
| 2022-03 | 3 | expense ratio p90 |  |
| 2022-06 | 2 |  | expense ratio p90 |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 0 |  | reserve under noncurrent, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2024-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 | assets shrinking | uninsured deposits leaving |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

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

- 2024-05-19 [Catherine Hattaway Woods Obituary May 19, 2024 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMiekFVX3lxTFBsMXJLZ0hRYVJzbHRlODRBUmg5T2MyYXMxUDJjaDFmb3hQUV9TM0JRUy0yZVN1U3VxZHNxTlE3NmRVWVNsSkxpUHpZeEFvcVlLYmNsblFGZUNpektJTHhWVUZGOGJOekZxYU5sN2FjTk1kdzRaUE5JRnBn?oc=5) · May &amp; Smith Funeral Directors
- 2011-05-25 [Obituary for Henry Irwin "Spud" Bridges, Jr. - Ronald V. Hall Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5lWDBuTXk3a1VYdDl0TkYtYUR4S1E5bl9LSTcwUlBFZkhkNDdLa3dpTDctZjJpQXh3T3hWSktFb2Y1b3NqYWVhUlNYeDQ0ZTZ6bVJWWjhpUEt0ZEJVbnAzTlZR?oc=5) · Ronald V. Hall Funeral Home
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2026-07-10 [Ruth Blount Dollar Obituary Jul 10, 2026 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMidEFVX3lxTFBoYk5jNGJVSF9vdi0tdzdjLXU3azFHbllFOGV5RWx5STlwOFpENjM1WmlNa04tRl9BZDhrcTBBTUZhUGtDVVhaNFVORmhGdTJjbkktbTVQQ2sxd3NFSnZ4VkFxcHR6NHY4NTJuV28yeEx1QlB0?oc=5) · May &amp; Smith Funeral Directors
- 2019-10-10 [The Oldest Bank You Can Count On in Every State - GOBankingRates](https://news.google.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?oc=5) · GOBankingRates
- 2025-10-15 [Daniel Scott Dollar Obituary Mar 26, 2020 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMid0FVX3lxTFBMWmRYd1plemg1Z0pESm5CQ3NEeXlEZml0bGUzemFTUGk0dDZGQVlDUHUyYWd2VFBQWXl2U0tWekFJczlwaUhJUlVhTERwZHQ3SHhQVHp6eG5rZ0JqaXZLZkgyXy0xOWZMM0t0NmdMZHhaSXVLelZR?oc=5) · May &amp; Smith Funeral Directors
- 2016-11-14 [Lynda Ann Turner Obituary Nov 14, 2016 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMidkFVX3lxTE10dGgxblppZGNXcXBjdHhQZnZ5WEliLXRfNk9hVjJHZFpoUTBpQ0JfVThBbkJJcWZVNy1rbWdsWlZvc21uLU4wS2MxTVhEbURBdVZvZ1RCSHUwTDdlbHRTVHZLTlUzYk5HaGpzYUFpa0N6RDhwVFE?oc=5) · May &amp; Smith Funeral Directors
- 2020-01-27 [Flora Mae Brantley Obituary Jan 27, 2020 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE9fa1hMeHR4Y2NzZzNVVVU0d25TUC00a29kSmxpbHFfTWZROUZnUjRmcDZZVGJjLWRIcVVFcWtJdzZlcW5UUmRYemhqVk5GdEZ2cVl0dXh4eW9PM0l1THBMUloxWFZVTFV4cmFEMTh4bF83UGt5ckdZdQ?oc=5) · May &amp; Smith Funeral Directors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2154 (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/42.json (key "2154", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide