# DOUGLAS COUNTY BANK
DOUGLASVILLE, GA · FDIC certificate 21649 · asset band $300M-1B · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *run candidate*. 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 | $317.3M | |
| Deposits | $315.3M | |
| Loans and leases | $172.7M | |
| Total equity | $811,000 | |
| Loans / deposits | 53.89% (p14 of band) | 74.76% |
| Liquid assets / assets | 20.68% (p23 of band) | |
| Uninsured deposits / deposits | 9.52% (p20 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.36% (p0 of band) | 9.77% |
| Unrealized securities loss / equity | -43.03% (p0 of band) | 2.98% |
| AOCI / equity | -24.17% (p0 of band) | |
| ROA (annualized) | -0.09% (p5 of band) | 0.80% |
| Net interest margin | 2.95% (p18 of band) | 3.52% |
| Efficiency ratio | 100.66% (p96 of band) | |
| Noncurrent loans | 2.75% (p73 of band) | 1.55% |
| Net charge-offs (annualized) | 0.36% (p83 of band) | |
| Reserve coverage of noncurrent | 58.37% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 3718.00% (p100 of band) | |
| Auto loans | $375,000 (0.22% of loans; DQ 0.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  | NIM <2.5% |
| 2011-09 | 8 |  |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 9 | capital falling |  |
| 2012-06 | 9 |  |  |
| 2012-09 | 9 | uninsured deposits leaving | noncurrent p90 |
| 2012-12 | 11 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2013-03 | 10 | securities losses >30% of equity | uninsured deposits leaving, noncurrent p90 |

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

- 2026-05-18 [Man exonerated after spending 16 years in prison - fox5atlanta.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOZ1hZTV83YmNRWm1UQTNvVHRycVFaekVnZWJTOC1xbDRBVElVb2Q2WUlVc0t3S0RjNzE1X2lJZEV4VV91LUFNTDBYdmpMTzVHdzdxMl8yc0U4YnM0eWc2ODV1TW42R21BaHJrd2VDUlJObUUtSVpvcmJpT1RRbU5NY2h6eXJ5aVBYWEszcXRWZi1IdTDSAZgBQVVfeXFMTktaVjkyTGxVajJDUlZIT2VkTTFMWXRSbmtqcFcxRnVDR0VySmFoZExFdk9uSDA5S0ZXdF8xN2dmTzF1YzhtTlNkVUF2S1g3Qmx0NkVNV0hkU2V2bGhlZ2V6cm93Yi02WkhYdHUwUjlhR1lyYmtfRTBHRXRBSVE2b2ZreWV2dk91M3lOLWZ0VUJQWnlqZDZ0Tjg?oc=5) · fox5atlanta.com
- 2025-11-03 [1952 – Douglas County Bank - City of Lawrence, Kansas (.gov)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRHkwQVZzc0JlbkoxSUx4czFxb3FQenlRdDA5Unl0ZTRtbWhYLXAtTkxtU0lXOW43bFNaMDFvRlZGSDRkelR4amgtSDM4UTVzUmZ5OW9XaHZGd3Rnd1ZZTmhNcVhLWnBDbTBObzBlLW91NFJ6cktCNmtyamMwWDRkdTVfdkt1bXNoVURJ?oc=5) · City of Lawrence, Kansas (.gov)
- 2021-07-23 [Hamilton State Bank acquires failed Douglas County Bank - Gainesville Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxOcVJIVVBOY2tvVjBNVzQyRGVXd1lCc1h2M1REOUNkcEpZZzMwaFkxSURLWUE5cDJxaVZ2c19IR2ltRDVJT2h1SWVBNEY1ZTEzRHl4cUpaOXh6Q0Q0T1pRbWRhMXRWTFY5X1NIS0Q4VU9Rd05neG9LcFh4eVluUGkxdF92SHJQVU9vWTJGRmYyMXFFVWRNemtRQXl5N3JSc1FoVndDcmZSYzBFcXNMRVRXNmd3?oc=5) · Gainesville Times
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2013-02-15 [Daniel Willis Obituary Feb 15, 2013 - Jones-Wynn Funeral Home](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBwb0lPck42RE9lckh0UkMyUm5SOFNTaEEwNW1wV2J3ck9MUmtXSTN4YjgzTnpJWDdrMnlkZF9pSFdaSkxWYVQ5WjRBcjR3ZTNKUEZhQQ?oc=5) · Jones-Wynn Funeral Home
- 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
- 2017-05-22 [Anna Ruth Headman Obituary | Hightower's Memorial Chapel | Douglasville, GA - Tribute Archive](https://news.google.com/rss/articles/CBMidkFVX3lxTE5xMGJfanQxbVFDOW5kWlQyQjZFUkVtekpEeGI3XzJseW1VWVlwTlZGSXZKY0pqTmRQZVpYbDJ1bTlZSUVReVd6RjlsNk1sT3ZFZ3lDWGY3dXNGTTdwNElFSERlMlBjc2NjZk9QdzR4aDNlVklEdVE?oc=5) · Tribute Archive
- 2021-11-09 [Richard King Obituary (2003) - Atlanta, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZENwT1BJY2tzUWFSMHFjeTR6bXg1bVoxWHVpMGtsNUp0b0gtc0xDaldORXpKS2VHUG0tNnBvRW9kYzNmMmd2bXRwU1dETVRvbU9oZThYeWs3THNEUnV2Z3lFb0hJTGhZdms5UXFweFdIS2xvVmZETDludXZmNENVaGpzdDVaejRFb0o4?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21649 (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/17.json (key "21649", 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