# RABUN COUNTY BANK
CLAYTON, GA · FDIC certificate 22138 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $361.5M | |
| Deposits | $321.3M | |
| Loans and leases | $233.9M | |
| Total equity | $37.4M | |
| Loans / deposits | 71.80% (p28 of band) | 82.04% |
| Liquid assets / assets | 31.86% (p68 of band) | |
| Uninsured deposits / deposits | 16.51% (p17 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -0.55% (p89 of band) | -8.10% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 1.64% (p72 of band) | 1.28% |
| Net interest margin | 4.09% (p60 of band) | 3.91% |
| Efficiency ratio | 51.46% (p21 of band) | |
| Noncurrent loans | 0.05% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 2629.03% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 106.69% (p89 of band) | |
| Auto loans | $8.4M (3.58% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 50 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 6 | leverage <7%, charge-offs p90 | noncurrent p90 |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, losing money, capital falling, charge-offs p90 |
| 2012-06 | 6 | reserve under noncurrent |  |
| 2012-09 | 8 | losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2012-12 | 9 | reserve under noncurrent |  |
| 2013-03 | 6 |  | leverage <7%, losing money, expense ratio p90 |
| 2013-06 | 6 | noncurrent p90 | uninsured deposits leaving |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 6 | uninsured deposits leaving | charge-offs p90 |
| 2014-09 | 7 | charge-offs p90 |  |
| 2014-12 | 5 |  | uninsured deposits leaving, charge-offs p90 |
| 2015-03 | 5 |  |  |
| 2015-06 | 3 |  | deposits shrinking, assets shrinking |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | construction >100% equity |
| 2016-06 | 4 | construction >100% equity, uninsured deposits leaving |  |
| 2016-09 | 3 | capital falling | construction >100% equity, uninsured deposits leaving |
| 2016-12 | 4 | construction >100% equity |  |
| 2017-03 | 3 |  | construction >100% equity |
| 2017-06 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90, capital falling |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2018-03 | 1 |  | noncurrent p90, construction >100% equity |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | construction >100% equity |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 1 | uninsured deposits leaving | construction >100% equity |
| 2024-03 | 1 | construction >100% equity | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 0 |  | construction >100% equity |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 1 | capital falling | uninsured deposits leaving |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 1 | construction >100% equity |  |

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

- 2024-05-16 [Traditions Bank breaks ground at ‘Stoney’s Corner’ in Clarkesville - Now Georgia](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNmZid1JGTThHUFhJdVlvYVIwLVpqclhNeWI2bEc2ZXVtbWhxbkllT3N0eHFYa3NxbHdESE5mNUZwQ0tMMFNMclV3dFpsUHowWG9MeXF2aFltNjVqRURNVnJYc3U5Zm9acERCMkJWVGd1a2ZCeUZxV2FYeE9VRzRLRzNEclF5QjAxaXU5aDg1R00?oc=5) · Now Georgia
- 2022-05-26 [Karen Kilby Hooper - The Clayton Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE8yaFRaeTJkZGw3RV9iYUVGUjRRV3A2VGVSdmtnSDZGc3hnaVlaeTM1MGVYRlpPc0dFMFRkajhUV0gwUUU0b1Fsd0NlNzBCbDhMQmtKSTdlMmVJcnYwNGNzRW9xbEZrOUVvbTRTUXFDcHQ?oc=5) · The Clayton Tribune
- 2023-12-06 [Traditions Bank coming to Clarkesville at former Stoney’s location - Now Georgia](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbUw5RUotZXZab0cwQnFadDhleGt2VmtTWlJtUktFb28tU1hjeXViV2VmZmFMYkE3bENmdURaWVBnOUVVZUthdmluSUJhSFVMbHRDOXFEMWZUTG5hR3ZBRkM2bmVGRE9GSV8yNldieDJCeGhUeUxRSXNCdUFDYmpVNllRNXdodkpMVGJucENubTRSWGc?oc=5) · Now Georgia
- 2021-02-19 [Doug Collins Joins Clarkesville Law Firm - 92.1 WLHR](https://news.google.com/rss/articles/CBMibkFVX3lxTFAtYVFULWE5UTl5a2lrV05lT2VDVnhNTDZBSDlrUE95bVVxcm5fZldfV2tUX1NJMjZfOTBvei1KSGRyMzg2N3p1Z2RDOVF2RGlFejZrcHRLRVRoUVMzQjJBNTk5XzdLcmUzSFB4Ml93?oc=5) · 92.1 WLHR
- 2026-06-08 [Lora Jarrard Obituary (2026) - Clayton, GA - Beck Funeral Home - Clayton - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdzU4bVNOVXRLWVd4RTlwNWJnSFIxbTR4dEVJMjBwa3JScEZFcmUwRzRPejBUdWwwQ29YSlJhbDFsMUk5d19wWll6UmF0em5qN2NSY1Z6bmlFOHMtcDd6UmNuUi1FNzYtMlNZSzI5RDB0RDhxUTg3V05pcFZHOWtJbg?oc=5) · legacy.com
- 2021-10-14 [Ian Thomas Echols and Gretchen Fox Echols - The Clayton Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxNdHFBbXBVbXR4MHFSaW0zbF9vdWJkT1VDT1dWY1B0TzlaeEk2RkxRRXZRUGI3eHluRzltUXBPU1A5a2dTVFR3TnhJUXNEQ2JNa2lWcFB6RnpvWDhmRF9NZjhzcUFYQnZSSjl0Ykd6MGxkSGhsU0JweDJqVkp1TUZmT2tMZTdoekJqQ3lrbTFxOA?oc=5) · The Clayton Tribune
- 2024-09-12 [Kelli Welch Obituary (1979 - 2024) - Clayton, GA - The Clayton Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVlNDaTh2QTYxcUVyTjFuNGJLTVBnRWRnYlhLdUNfaVpJZ0RMQ3BYUFNoQW4zYjd5Sk92SzVIc3lnUjRMMVpnZGV6dmNpSlMza0cxNkRzVG1lWkdoUjJtMk95YlBOS2NUdmVGTmJXQjQxMmJ4dVcxdEtuZlFNU2w0NHVKa2tVSzJiZnlqeFA0Zmt1Nl92YjJN?oc=5) · legacy.com
- 2025-12-11 [Dickens in Dillard: An elegant Christmas festival from a small city with a big vision - Now Georgia](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMGprc2U1UkpUSXJadHN6ckI5SDYtRkRiaFhxSjVhWFVSMDBwOXhnQ3FfOUFLbTh2Mnh1bmJNUWE1eUFESm5yUktYUkUxWm5LVm5NYzdGOVAydktBRlpvZXJ4ZjZucGg1eXoxako3cVZZcWtKeUZYRFBzSEc0cGhncXh2SG5lT2cwd3V2WlJILXhYQktMbXRhelZmOUxsN3Jvamt1LTRPVmhrdkJiLXFtdmNnZw?oc=5) · Now Georgia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22138 (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/58.json (key "22138", 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