# TOWN COUNTRY UNITED BANK
CAMDEN, AL · FDIC certificate 22621 · asset band <$300M · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $119.9M | |
| Deposits | $91.8M | |
| Loans and leases | $56.7M | |
| Total equity | $27.4M | |
| Loans / deposits | 60.46% (p32 of band) | 71.75% |
| Liquid assets / assets | 40.43% (p63 of band) | |
| Uninsured deposits / deposits | 8.05% (p10 of band) | 18.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.15% (p92 of band) | 11.46% |
| Unrealized securities loss / equity | -24.20% (p37 of band) | -15.99% |
| AOCI / equity | -0.58% (p33 of band) | |
| ROA (annualized) | 0.89% (p50 of band) | 0.90% |
| Net interest margin | 4.44% (p80 of band) | 3.52% |
| Efficiency ratio | 73.84% (p58 of band) | |
| Noncurrent loans | 5.14% (p98 of band) | 0.26% |
| Net charge-offs (annualized) | 0.12% (p92 of band) | |
| Reserve coverage of noncurrent | 39.97% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 9.12% (p34 of band) | |
| Auto loans | $7.7M (13.58% of loans; DQ 12.76%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | NIM <2.5%, reserve under noncurrent | charge-offs p90 |
| 2021-12 | 2 |  | reserve under noncurrent |
| 2022-03 | 0 |  | capital falling, NIM <2.5% |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 4 | charge-offs p90 |  |

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

- 2024-09-05 [United Bancorporation of Alabama, Inc. announces merger between United Bank and Town-Country United Bank - PR Newswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOeTJBb0Q1eXpCSlU3ckF4b0I1UXF6bW1XRkdzbGdHQTh1TkJXZlFBZ0ZGSk5ZZU45b2tsZGM0cEF0QWhfU1pYRUZGYWVURDY0aU45Sm5PNDF3WlM4UUpUVjVCN3Z1bVN0aHhpMGJfYVpjdmUzalNmQVpieFlHelZWYUVldXJ0T0l2VThuaVhtUDhrTWZmWDVaQnNfTlB2VjJVcDZxMDFqTFJfNnhSQlJjcGFweDM0OTI0MktDNDZlZS1fWjFCWlRJZVcxVkR4X1NPOENhYlpnbUpDWEFvM0RKelBDNE9PZlc4NHNDS1ZRRQ?oc=5) · PR Newswire
- 2021-03-17 [Atmore’s United Bank buys Town-Country - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE8yaTZsVUZuMDgzOHNiRS1ERnd2ZkoxUjhxQlhQcmdibWRfeUdRQWEwXzhleWVmUVU2Q1gzX2FqM25zR096cUl0ckV0OHBNOHVDWmtaeWRDeFRXQzhZQXdnWk0zc05ZRlNjNGsySVE5X0Y5di1r?oc=5) · Business Alabama Magazine
- 2023-08-09 [Overcoming Poverty: 8 Alabama counties have 3 or fewer banks, creating challenges in underserved communities - WSFA](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNT08tNS0wQXV1RXZ4emFqWTN1T3I4aXJGRHpHQk1MNG1JdDM1OThNd2RWOHFwUU9WVmlrbk83dkZuNjU1Qk4zQ1poRG44SHdrWlY4Zkc3QjJ4bmRPX2JiMGR5aWhzRmtwQmxZQTY3dnBveG9sUUhESTdXMGN5dnFEUVZXUDBmcXNadnBWNDRzclBuNkFMNG5lOGtBVlZoSjNLcHBSTTRTcFhUVHozcG03bUduRVFZNjdabllGejduSTJKNHRUQ3VobjA2bVNsV3E0bXc?oc=5) · WSFA
- 2024-05-21 [30 anglers turn out for 7th Annual Big Crappie Day Tournament - blackbeltnewsnetwork.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxORjUyTHM5NnA4ckxmMGNlTkljc3RQdUk0M3ZBTUprY0V4ZFhBdVRoYjFCNWFQQ01IT3dXNTl4UFNlbmJsWXVJSEppWGgtSVVCazdKT0F5ODZpQTd4dHZfMXN3aG51UXZibkk1bmZOQ0pxSk83ZEdOb2VRbkkxVUJWQkFsOFpUVlRSNkVveHpOTUx3eW5GTTM5bW05MWcxM2hkcklVQWVCN0hwVk1WbU01ZHAzN1VzS3pCVWlJM2lKZGZUSFFOR2VXWW04N05YMVlpVHFwZ1p0ekdiRm5kNVhPNGNDaHBEcHhL?oc=5) · blackbeltnewsnetwork.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22621 (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/29.json (key "22621", 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