# BANK OF BARTLETT
BARTLETT, TN · FDIC certificate 23123 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $551.8M | |
| Deposits | $466.1M | |
| Loans and leases | $384.9M | |
| Total equity | $39.6M | |
| Loans / deposits | 81.82% (p49 of band) | 82.04% |
| Liquid assets / assets | 24.82% (p50 of band) | |
| Uninsured deposits / deposits | 21.47% (p34 of band) | 25.97% |
| Brokered deposits | 0.66% | |
| Wholesale funding | 8.20% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.51% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -28.57% (p14 of band) | -8.10% |
| AOCI / equity | 0.29% (p89 of band) | |
| ROA (annualized) | 0.65% (p16 of band) | 1.28% |
| Net interest margin | 3.81% (p45 of band) | 3.91% |
| Efficiency ratio | 80.24% (p89 of band) | |
| Noncurrent loans | 0.98% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 93.60% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 41.16% (p48 of band) | |
| Auto loans | $2.1M (0.55% of loans; DQ 1.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 108 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 8 | charge-offs p90, construction >100% equity | noncurrent p90 |
| 2011-09 | 8 |  |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 8 | assets shrinking | losing money |
| 2012-06 | 5 |  | reserve under noncurrent, charge-offs p90, assets shrinking |
| 2012-09 | 4 |  | construction >100% equity |
| 2012-12 | 4 |  |  |
| 2013-03 | 2 |  | leverage <5% |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | securities losses >30% of equity |  |
| 2014-03 | 4 | capital falling, losing money | securities losses >30% of equity |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 4 | charge-offs p90 | reserve under noncurrent |
| 2015-06 | 4 | assets shrinking | losing money |
| 2015-09 | 3 |  | assets shrinking |
| 2015-12 | 4 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 4 | noncurrent p90 |  |
| 2016-09 | 4 | capital falling | noncurrent p90 |
| 2016-12 | 4 | noncurrent p90 | capital falling |
| 2017-03 | 2 |  | expense ratio p90, noncurrent p90 |
| 2017-06 | 3 | expense ratio p90 |  |
| 2017-09 | 1 |  | leverage <7%, reserve under noncurrent |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | deposits shrinking | expense ratio p90 |
| 2019-06 | 1 | reserve under noncurrent | deposits shrinking |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90, capital falling |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 | expense ratio p90 | reserve under noncurrent, charge-offs p90 |
| 2021-09 | 0 |  | expense ratio p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | securities losses >30% of equity, expense ratio p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | construction >100% equity |  |
| 2023-12 | 4 | wholesale funding >15% | construction >100% equity |
| 2024-03 | 3 |  | expense ratio p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 2 |  | reserve under noncurrent |
| 2025-12 | 0 |  | securities losses >30% of equity, wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | reserve under noncurrent, assets shrinking |  |

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

- 2026-04-28 [One charged after shots fired in Collierville - WREG.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFA0UkZ1SG44NGJleVQyTDd3cml5R2llRlBxRk40QXR4aDhfbVVLa1lnNFUtZHNJcVFBSHVBc1FwalFWa0JCNU8yUDZaMnVDa3M1WEVJUVRZNEFzYUxwR0NVNUtMNkZUSmlINGFtWkFrNlJlRW_SAXhBVV95cUxNdkszMFNYcWZjeWNKa3JIOC1KWUYyd0FJV3Nkc09vMzlBSnhHWDNGNUhsdU94RjJFZFNsd3ZLd0hfQ2I0TXlXa1Z1dm5JV1Y4QURXQzR5RFlMdXdKcmlYNUluOTRRUWZkWmplMDZEaUkxR2ZKNndJbUg?oc=5) · WREG.com
- 2026-05-06 [Memphis bank robber sentenced to over 48 years in federal prison - wbbjtv.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSHIyU1VrVVZWdzdFNXUzcWFJU0pzSkFlaXFleEJCUXhDeGw4VVZlV1AtYXdyTnRhSERVZFVPQUFUaVdrejB4QV9oa2x3QnVTZGxkN1JJODBBM2JHMVdSa0t3Sm9iVF9aYnBWZmNreG91MnozdF9QZzlHUFVZUUJSblBlU1ljV0FHUGZvRkEwM3Zib1c2RXpCQtIBrAFBVV95cUxNOUxEWldIRzYwYm15VjlGU2MweFdjMHB2bEVTdkxmZ3ktZGdfN3lZVVdIZHZiUmlxSUxuQUsxQXVYXzJiNW5WcXV4T3IzTjRPdXlyNG52Z2hNclJoQ3RrNTBnNHNmMFc4Mm84UXE3S3NIR19RYjlPdzZ4N0NscDFLN2xqdFYxSEpKS1JOSzlGWVMydWxHck5IQmlGeXJIazV6aXZtdXE3NWhnbktl?oc=5) · wbbjtv.com
- 2026-06-03 [Sandra Vallon Obituary - Bartlett, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQYVZOcDhoTXJhZE1FRmxaNl9nYk1tTmpEelhNYklxc0drQ3ZBWnBuWmo0UHlTRWtTTHFLNzZlLWdRTVN4Vkk2UVNCRThEaXhSQmNEMFJRcnhhamFvOTN2RHUzTDROMDNuRkNtVnRpWUt0ZE5tOFJBMzVNY2llS0x1Y2JyZw?oc=5) · Dignity Memorial
- 2021-02-22 [Bank of Bartlett (TN) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRHhtY2JNQ19jYVp3NU4zbUN2QVlUM0xYdmd1UzNfbEwyS3RnZG00ekxMaUtaeXNMa0VpX3RiTDJjVTVDMmFVTEZ4MTZXaVpid20wNHZ2TGR1clZsT0RfY2tORjZVV29KQXhONG9NcVBkSVFFcE9MT1IwUVUwX2VPdVlQTQ?oc=5) · SmartAsset
- 2021-04-23 [Senior Lending Officer is Among Seven Financial Professionals in Memphis Who Chose Pinnacle - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMixwFBVV95cUxOQXdqd0hUX3dIbnJ2SWlwR00tTm5URmtFVVNCS0JLbC1pNUVsTE8tdnRYUGFwSjZuNGxYb3g2T211TTdPa2dlbzFieEk2aDBadGdMcHotcWc0MEZ3b1BYbFA3czNrcklSclV6N0t4eVRTOEhha0x3Zkd1bzlmU3hORlNQT3REbWZwNnVFWXRNQXNfeC1wQjdnNVpUZFFtU3AzTVBYakh5SGo4cEpjZXdFZE1ZOHBpWktiM29BQTRNXzAyd3ZnNXU0?oc=5) · Pinnacle Financial Partners
- 2022-08-22 [REWARD: FBI searching for men suspected of using stolen rental cars to rob bank - Action News 5](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZXEyOG5GY0lDcFp4b3ZaclVrYTg5Rzk5eEsxYU1qSVJxS2lUbDlVQkd5ZWp6OF9RM0FQX2NvVTlHam9zSGdJYi0zMWVFcmlJVm8yQkJlOTQzTThlTm5DLXdiX1NGNGJDTXpxbE5oSTI0ZHU4VE0xdUJQRHN3Umw2WG03cC02WWlXYngxSFZhT3ZlamJaYVJWczRCOTJlWnQ4SHlremhqTUZPT2E0?oc=5) · Action News 5
- 2023-10-24 [Police release suspect photos after armed robbers hit two banks in Cordova - localmemphis.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOQ3VoRGRyd3Bvb0JQdVlaV1VYYUYyVmJHYl9uSFAtWE9DekpsTzNGTXJnWVE5eTYtclFMQ0FwYjQ3QWcxblN0engzTVhvYkRYSnhrVzV0RDhpTk1RZVlZN25jVXBzT0RxWjhNU1JOYmctOTJGeWdBSkxuQ2tpWk0zSEstWE5TeEJOWWxSTUt0TGRGNUkwY1B2SE9vajJrQkVTN1lwSV9mU05BTWM2VVBKSk5KdG54WmJpUEwxNlRvS21xMkQ2NmdKYzhZRXlrbTVOelBDaGFnQlR4RGVfWTQw?oc=5) · localmemphis.com
- 2003-04-07 [Memphis Man Sentenced in Tax and Bank Fraud Investigation - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMihwFBVV95cUxNODBaSU9sMkNCLXpPa0hiUU1QQWZ4OWlGLXFPWWdCaWdHWXp2MzZ5dkxiSjhSTHRUZFBGYnVfOVpPdXduU3ZQNWdrTVpvVzN5RlB2Si1BbTFabDlnSEEybHIyRko3QThIZmFZQTFnVFM1eFA0R1ZuWHItQXhHelFhVUJxY1NDNUk?oc=5) · Department of Justice (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23123 (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/19.json (key "23123", 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