# COFFEE COUNTY BANK
MANCHESTER, TN · FDIC certificate 22090 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $427.6M | |
| Deposits | $384.2M | |
| Loans and leases | $367.7M | |
| Total equity | $39.7M | |
| Loans / deposits | 94.44% (p80 of band) | 82.04% |
| Liquid assets / assets | 12.73% (p11 of band) | |
| Uninsured deposits / deposits | 18.98% (p25 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -5.16% (p62 of band) | -8.10% |
| AOCI / equity | -0.21% (p59 of band) | |
| ROA (annualized) | 2.56% (p95 of band) | 1.28% |
| Net interest margin | 4.83% (p90 of band) | 3.91% |
| Efficiency ratio | 54.88% (p30 of band) | |
| Noncurrent loans | 0.18% (p32 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 721.15% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 120.50% (p93 of band) | |
| Auto loans | $12.7M (3.45% of loans; DQ 1.96%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 1 |  | noncurrent p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | uninsured deposits leaving |  |
| 2013-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2014-03 | 1 |  | noncurrent p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-12 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 | construction >100% equity | capital falling |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 1 |  | capital falling, reserve under noncurrent |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 2 | capital falling, construction >100% equity |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | loans exceed deposits |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | loans exceed deposits |
| 2023-06 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2023-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2023-12 | 2 | loans exceed deposits |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 | wholesale funding >15% | capital falling |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 1 |  | loans exceed deposits |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 2 | uninsured deposits leaving |  |
| 2026-06 | 1 |  | uninsured deposits leaving |

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

- 2026-07-07 [Coffee County Schools Releases Supply Lists for Upcoming School Year - Thunder Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbk9KYm5PMzR2Q2QtR2hXQjB5enZxbnd0M0g0X3c1bXEwYUFFOV85NGZoNnlxZEZMVmhzWVJ2XzdPeVI4WV8xcHdfNk9JVnlxU1VVcVpCV2lRZEFiLVhRZTQxb3lObldFRmdlMmtUckJKVTNzQkNEZVpqSzNURnBkWVVXOVZRLVBSOEdHRTh0ZEg1dG9ZZVRiX9IBngFBVV95cUxPQmItbEU1d0Q0OE5TYjZ6WHdOb3VydzBFcU0zclZDZnFjYnhJNVBwSnQ2cWJSTGZUNGVOQjloV0NRQkZyR2ozWHNCdkVKQnkybXlxNnQ5STlsa0FwR1Q3cU0wS2FCaXBSbHFYN3FhSFFxd0RqVGxpT0tBejNhSjdIaWx4cU91Z3ZYYkxfdEl2d2NuempOVWpfdDJFaWZKdw?oc=5) · Thunder Radio
- 2025-09-16 [Coffee County Bank celebrates 50 years in operation - Thunder Radio](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQmhySEgyODRwd3RoZlFjeHdVbUotbGlkeFFyZ1lieTBFU1RHZWdXbGRtVmN3bkFtZmp3eWQ1Y1hTVnFmOV9rM0J4YlVCV0tmX3ZzVUVSZDFjNWJvQ1N6VDhnQllEVDEzVWpyYmVqbFBpZm5tN19JZGlrYU95RDZrbzNn0gGHAUFVX3lxTE03TTl6NlBWblpQMVU5RFNGR01sRTRDdC1OTmIwdEtpZFRBSXQzaDUzQlBKYUNELXNGX3cwdWI4QTZVWTlHSlZNOTVOX05TdWhkUkFlelhGVmNIOTloU0w3bEszTkNBQklCYVVPX0RHNUJyVVdidV9PZGl1c3VVc1JqUFJSbUh0UQ?oc=5) · Thunder Radio
- 2026-08-19 [Janice Helen Bartlett Obituary (2026) - Morrison, TN - Murfreesboro Funeral Home & Cremation Services - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNM3pEaWFHQWRieTVxaTBOa29WTnlGZWxlNzNmVG5vM2F5dWUwLVJYd3JaakxpVmFkQ1pQSnlQV1A2Q0V3Rk4xNXhueHlGV0w0WWcwejBVaTltT0JKMDJkY0xweUU5TVZQdW9kVFh5WmJQWGNhTHhYb0pyT3lEeWFOR3dDXzA?oc=5) · Legacy obituary
- 2025-01-29 [Bud Riddle Named Board Chair at Coffee County Bank - Thunder Radio](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUklDOTZZc3NNMXhVenA5MF9iNHU5LWZneVd6V05OSVNRV2xxUmxXSjR1QzFQNkphWWRZVVRwVFJ2bDUzZXVCVW52ZHA1RVhydWJ6TV9zNUhzR1NVRzByWEk5S1dUNGg3eHhiOG1FaUFQMklfNTBDT3p4VHlQbEh2M9IBhgFBVV95cUxPdEY3MEF6UUtTNjM0VHlvcWRPUjhZTEI5amtXM29nRkxtdWwtbWtpYlkxQUc0bk1PUWZsZDBsYUxfcHFCLUpobHZkcGx6aWo5cnQxWnRPblZaY0ZtNHdYaGFwR00ycDh2a2hiX25DWGc0enZsa211QmFBTHlhY1lSYmc5b19Cdw?oc=5) · Thunder Radio
- 2024-11-28 [James Howard Vaden Jr Obituary (2024) - Manchester, TN - Central Funeral Home - Manchester - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE1NaFVpV05BeUFyeVB3aXJSbldrZVR5ME80cWJYYnRsNElyUXp1azZXN20zd0k0ZGdseWZfY1VZb3pScGdKODItRW85M1I4R3Z3WllZREFVQXFsS1VoQm5xd2M4ODVBWDdsUHRuQUhyWWphNk5lYnF0QzZBdGxrc2c?oc=5) · Legacy obituary
- 2024-07-30 [Brent Parsley brings 40 years of banking experience to Coffee County Bank - Thunder Radio](https://news.google.com/rss/articles/CBMinwFBVV95cUxNd25wY05qTjc1OFhJcWE5eGRCQUVqV2RlX2V6emV3alRDU2gyalE3OEU5d2lMSTViaTNGU2JXOWRFRjNNZnlIQjZIbVFDWEppMzRTWUhQRWtyQ0lMRzdwVTAtcVdSaVltandGWloxTG5iU0pULVEzc3pmaVZydHZmcC1OZTB6MEZONU9ZTnVJcWxqMFVjVjl5TWxoQ3dlNUXSAaQBQVVfeXFMTk9ZOUhaeXFBYk1JcU54YlpIaTJ6MDExUGhwTHRKb1hZQ2RJRXRCdFVzQkpmVHZXX3QzR2lhdWRJdkhoNWRObEwyWlhaT1VKV3dLd1FHcHR0VHdJMFlzdURyNWRJQ2NoTC1rN1IxLXpXRlU0TndfZTVTOWRIcTlrR3dzVmRZeF95cnhpZEkxc2x1eUVRN3ZrWXEzYkdDMlVITEgzWFk?oc=5) · Thunder Radio
- 2026-02-06 [Coffee County to Hold Fraud Prevention Awareness Summit - Thunder Radio](https://news.google.com/rss/articles/CBMihwFBVV95cUxQLVRvOG9kaW45bEtRN0NMS2gwaHdNbGJGaldncWhXTEowYlRKaXhuVHVjc2ZNMHVjVmQ5eG5LeHZBQnFKdkNQQkxpRGwxX0JfM1dfRWxCSnVWNTlXUnVpTWdsUDY5S1ljR3ItRmljX3h6QmpMS05uM1lXd2dlTjRzblY3OW4xa3PSAYwBQVVfeXFMTjNldTFVTjlXbE1vLUFaTkdEQWR4MkxkMGRHb3NWYm1ST2dLWDNsVGMzWG1MOXlwdEJ3NmdWa2QtVVhlMENvTHhXLVdOZjdhMm5pMzNjUFRHNlAtN2hreVZ6UTFlOC1tdEhkeGItcFQxMXU4d3FSUG5TNzJHZ1JuZFdvNmM5NEJEamxoaW4?oc=5) · Thunder Radio
- 2025-10-14 [Coffee County Central Basketball Schedule released for 2025-26 - Thunder Radio](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSUU0Nm9Rc2pEdGhxT216VklPMnIyX1NyMllhdHVJc2lfc0ZWT0xkZ09FVU1jNzVSTFE0aUY3YWJlMGFkV2MwT3BqZHJ0NGRHR2wxZ3VaNDlHdmVyTUdFZmlDZ2NEaXB6MjhkeGxaLXdvZkEzRThNMGR4ZHNocUc5UmpHUFlQbWtzUk9vVlNQSUfSAZYBQVVfeXFMUDVhczFnUF92UUR4aXBkQ2ZBejIyM0tnenhWdFVwOG5uWEFKV05RRUdNVDJjUFdCOW1WRkNTVFJCZF94ZnBWTDFUajJrSldPbVNwT0ZvN3NCNEMwZ1pQaE16dkdEZDhzY3U5clA2cFBiVEZkakYyZ2o0S2pseTAtMEJuV0pGQVB5bndJdVNpYXZxWldQaXl3?oc=5) · Thunder Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22090 (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/10.json (key "22090", 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