# BANK OF GLEASON
GLEASON, TN · FDIC certificate 2379 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $138.5M | |
| Deposits | $113.2M | |
| Loans and leases | $81.3M | |
| Total equity | $24.4M | |
| Loans / deposits | 71.05% (p46 of band) | 73.59% |
| Liquid assets / assets | 37.83% (p59 of band) | |
| Uninsured deposits / deposits | 15.98% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.86% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -31.95% (p13 of band) | -6.57% |
| AOCI / equity | 0.21% (p92 of band) | |
| ROA (annualized) | 1.19% (p52 of band) | 1.17% |
| Net interest margin | 3.91% (p49 of band) | 3.93% |
| Efficiency ratio | 58.92% (p33 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 703.45% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 8.81% (p36 of band) | |
| Auto loans | $3.9M (4.79% of loans; DQ 3.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | deposits shrinking |  |
| 2018-06 | 2 | assets shrinking |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 1 |  | charge-offs p90, capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2005-12-17 [Tragedy strikes soldier's family - Action News 5](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Wb3B3UGduX2VUYlR1a1BTNGdXaERlcV92YkpyQlJCd0htRGF6UHhkdmZEZUw3eEFlNGE0aVl0WUJUcDQxejY0U2E3VHROTVYtMGQ4UGE4NlNMLTRjanZJRXlzdm9oN1g3eTlGRmZPU2d2Ti0tREtRZGpCeUZkajDSAZIBQVVfeXFMTTRkMzNqUkxkUi1CaUdpNU1XWjNWYmF5YUtIZHpldlFRS3p3bU1SdTJhUmh5RE51eXBST3dtTHdiQ2dwVWNqMmJjS0xoQk90cGFzRG9TN1VDR19UWXFfaHNfQXp0NE1CUFhFMlpxdElqWUpubjNWc0xkQVJVYUdpV0hiV2F6M2xqUmZ4Si1BOGV6RlE?oc=5) · Action News 5
- 2021-06-25 [Weakley Co. students get real-world experience through Summer Scholars program - jacksonsun.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPTkQycngzNF9UTUw4UW9BdUYxS0s0U3RYOHJ3RVRoYzZYcmN6aE5pb1VZdDlQZElUNEpsak5LeldWVWFsYWp3S2NvR0pUdTRhSWMzbnN4UnQ1dkRzSmxMcWRuci1Hbms1TDY4bzRUOE1ZeWQ2THE2eEFkT0MwQ1NaZ0ktWjI0RGdHai1BazR2ZVFmcHc3N1ZyWHpwSm44d19ScEdiZXJEc2owbFNCSUFOTTl1M1paU1dydTJodnBIaGp3UkNLdi15Vm05VHFRalB2ZXRSZA?oc=5) · jacksonsun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2379 (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/11.json (key "2379", 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