# AMERICAN CITY BANK
TULLAHOMA, TN · FDIC certificate 21663 · asset band $300M-1B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $308.0M | |
| Deposits | $236.4M | |
| Loans and leases | $275.4M | |
| Total equity | $60.4M | |
| Loans / deposits | 115.29% (p97 of band) | 84.48% |
| Liquid assets / assets | 6.06% (p1 of band) | |
| Uninsured deposits / deposits | 27.38% (p72 of band) | 20.77% |
| Brokered deposits | 12.09% | |
| Wholesale funding | 15.54% (p82 of band) | |
| FHLB advances / assets | 3.45% | |
| Tier 1 leverage | 16.79% (p96 of band) | 10.22% |
| Unrealized securities loss / equity | 0.75% (p66 of band) | 0.17% |
| AOCI / equity | 0.14% (p19 of band) | |
| ROA (annualized) | 2.48% (p98 of band) | 0.94% |
| Net interest margin | 5.06% (p97 of band) | 3.62% |
| Efficiency ratio | 39.61% (p3 of band) | |
| Noncurrent loans | 0.49% (p42 of band) | 0.60% |
| Net charge-offs (annualized) | 0.18% (p88 of band) | |
| Reserve coverage of noncurrent | 216.06% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 93.27% (p88 of band) | |
| Auto loans | $4.9M (1.76% of loans; DQ 2.61%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 | loans exceed deposits | construction >100% equity |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | loans exceed deposits, deposits shrinking |  |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling | loans exceed deposits, deposits shrinking |
| 2013-06 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent | capital falling |
| 2013-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | uninsured deposits leaving | capital falling |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | liquid assets <10% |  |
| 2015-12 | 2 |  | liquid assets <10% |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 | construction >100% equity | charge-offs p90 |
| 2017-03 | 6 | brokered >10%, wholesale funding >15%, capital falling | reserve under noncurrent |
| 2017-06 | 4 |  | construction >100% equity, capital falling |

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

- 2017-02-09 [FB Financial acquires Clayton banks - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQzc0MEFORlVhZFA5VGlhbC1iRXhRX3pkeHVSVlNiMWlqZGhZNGlnSlBRc1drUF9sa0Z0RmN4aUQ2bzQ3elRPSEhoUTJNc0ZEY0Q1S2ZCS28zenhXZ2pvZDY1cjZkN0V2NlYyVThPczF4YUx5dm5oQ0lybnJpNDJQU0ZFSlp6R0l2LXlYUXJDdkdZUnJ0TXJwNlJ4aVlQaHY3eWk0ZQ?oc=5) · Knoxville News Sentinel
- 2020-01-20 [Citizens Bank expands board - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9QWV80ZWYwSHJXVnhyQzc0b0FNS0JCaFRLT1hCaGN3SEpmcHFVWnQ1U1FMcWhfSjdvMnFvUjNXY054Z0VueWxCeFdFc2RZei1nR1dqc2ctRVRTeTZ1TGVZUnF0U2o4Zw?oc=5) · Upper Cumberland Business Journal
- 2012-07-17 [Slain Franklin County woman's kin set up reward fund - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZV9ZQWlHdmQ3QTdJVE5JVGt5Y1dJMzg0TjdiMC1feC1xUXVTdE5RRG01N25nb0czSXNlSjZQSFV0bjdpTm9vcVdhYnV0bTM4UDl4M1RlbDNzOXpwcHhLNHBMdmVlcEIzb1F1VG1fOE41YS1RcVpSSWVTYlVoRmdsOGFtTUpiaFFhWVlIXzZZZl9Qa3A3XzdRaGZ4SWI?oc=5) · Chattanooga Times Free Press
- 2025-06-22 [Cheryl Miller Obituary (2025) - Tullahoma, TN - Kilgore Funeral Home, LLC - Tullahoma - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOLS1oNV8td3hxWTYySzN4X3BLdi1fRGlUY2F1bWx3ZUVvaGVVM2NfRktNd1VEZThBMDFYRnBnczRUaWpkRnVrbzVqRGJrSHNwTUszUXRXd2FGX1JCLTZ0RGU5Q0dMTlhQT0o2UWNJZHMyT01QdVU5TkhKR3Q0WmJtWk93?oc=5) · legacy.com
- 1983-02-28 [TAKEOVER IS ARRANGED FOR FAILED COAST BANK (Published 1983) - The New York Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQkhuMHhxZy1JMm10SVNHZ0dLa0NjTDBuRjUxZnZiNERsU0ptMzVRNGVQLVZtTGxiTTVoSGc1M21mVTBKZ1l6S0VIMllRR1Y5LTdCSjVwa3lXeGhVTEc2MWxSR1E1V05nV1V0TWZsVGdOSTR1R3BwMmVvMkFXd1llVWU2MXc1ZUV2S2Mya05uNjhOZGE0X0E?oc=5) · The New York Times
- 2012-07-25 [Investigators still seek leads in death of a 24-year-old nursing student - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxOWkNWaWxkd0FTVlVCcXZlS0FVRndqT2JtSl8zYmJROW5qQ0NVUDBubVRWVWpKNkRMYk9YQkZEd1FJRmJlT05fU2JvcnBreXlyUkNkdjRLcGI4NEJsQVpfWHVsZmh2LXpCbWEyamRDTE1JYlpKNWVhcjNlcjFhRFNJRVQ3cDYxM3gwQ0FobG9KRkdsR2JtMWp2TVo4NEZhMzg?oc=5) · Chattanooga Times Free Press
- 2017-12-28 [Looking back on local business: top 10 stories of 2017 - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOdHZOdHh5UXFpMHdKa0FOS3Y0MFpZZmFUXzNZdEFFdkRneUIwRTlFbE8ydXU1VVVPZnZqQVBuckdtZDNjbG1aalpBY0RuSUlESDhTNXZSWS10eGFGcmwtMG5nMjJidTJkS0JBQk4tWFJwN1VyWGt6RF93RUE1dFp2NEFtdHFsbFpPM2ZXaTJWT0NWRi1fSk5QZ1NkWFZ4XzRBS0hhQUQ1RlpUT0tzb0h0NTBLT21MOER5TU9KYnlXZm13dHk4ZEJfdWw3UnFXQzZxNlBxWGdLb0I?oc=5) · Knoxville News Sentinel
- 2022-10-10 [Jeffrey Taylor Obituary (2016) - Tullahoma, TN - Herald Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPU2lnR25Hd0FMOEp6QmJxNWtvVXB2bXRsMG95VDNmSWdWWldjWVNqWHIxWlhIOTRUMFVpLUFLWUhGcWJBYk9ZZUVhUW51TE9hczJCMmpTWVFMMGFKZnd1UGFCNW1weDhuSXF1VzQ5ZE5QWUk3WmRZVmhBUmpyQTVKejM3TUQ5bDdYd2pXdV8zdkRPbjcyVTRpRw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21663 (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/31.json (key "21663", 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