# JOHNSON COUNTY BANK
MOUNTAIN CITY, TN · FDIC certificate 22070 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $159.6M | |
| Deposits | $126.8M | |
| Loans and leases | $90.5M | |
| Total equity | $20.7M | |
| Loans / deposits | 70.71% (p48 of band) | 71.75% |
| Liquid assets / assets | 38.41% (p59 of band) | |
| Uninsured deposits / deposits | 12.28% (p24 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.01% (p63 of band) | |
| FHLB advances / assets | 5.01% | |
| Tier 1 leverage | 15.69% (p81 of band) | 11.46% |
| Unrealized securities loss / equity | -35.35% (p27 of band) | -15.99% |
| AOCI / equity | -0.42% (p36 of band) | |
| ROA (annualized) | 0.89% (p49 of band) | 0.90% |
| Net interest margin | 3.51% (p50 of band) | 3.52% |
| Efficiency ratio | 70.27% (p49 of band) | |
| Noncurrent loans | 0.62% (p67 of band) | 0.26% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 149.02% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 54.70% (p78 of band) | |
| Auto loans | $3.1M (3.48% of loans; DQ 1.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 2 | noncurrent p90 |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | reserve under noncurrent |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 2 |  | uninsured deposits leaving |

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

- 2024-04-17 [Skyline Bankshares To Acquire Johnson County Bank - citybiz](https://news.google.com/rss/articles/CBMikgFBVV95cUxQS1JzdWxhRVR6bGVsNGlzT3NmdkZvNDBSMlRGZUZ2ZVFPRDJqUm4zczFTSGtxaDRFT3Z4eVVzVjluR1pmUENkTC1HRVJmQW1mQ3hwM1J6RVJxTlE1aG0xUHFGSmNmbm9jeXh6clhfajlhNlBla29VYmo2X3QtRTV5LXVfaDZ1OXNDeHZSYWRTWHYxQQ?oc=5) · citybiz
- 2025-04-25 [Skyline Bankshares (SLBK) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE43OElXYlVlSWwySGZTRmVWR1dGZzZpc05BVEEwOF9KaDFaWlFWcnA2UjlkV2xNeTIxdWxBM28ydG1RNnRKeDF5SDRrWVZTLTBiQTNR?oc=5) · stocktitan.net
- 2026-07-16 [Janice Macek | Obituaries - yankton.net](https://news.google.com/rss/articles/CBMijAFBVV95cUxQR3AxeEVSTFAzWGZCNU9Jdy15WVhEbmJzamxpS2hBQXNGTUFXTmV1X1lPLXBJekxZaG5RTGdFUzdLZmtXNGpWTEVFOWVmMDRuUmdtRDMyZC1obm1IZldaeFFPbTVhSGEtWW9rZ3R6czh2MTJSZDNhYXphS3RBQmRhcEh4MXBfeE1GQ0V6Tw?oc=5) · yankton.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22070 (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/54.json (key "22070", 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