# BANKTRUST
MOBILE, AL · FDIC certificate 26607 · asset band $1-10B · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $1.93B | |
| Deposits | $1.75B | |
| Loans and leases | $1.15B | |
| Total equity | $160.1M | |
| Loans / deposits | 62.43% (p21 of band) | 77.28% |
| Liquid assets / assets | 34.36% (p66 of band) | |
| Uninsured deposits / deposits | 27.24% (p75 of band) | 18.10% |
| Brokered deposits | 1.92% | |
| Wholesale funding | 2.50% (p20 of band) | |
| FHLB advances / assets | 0.54% | |
| Tier 1 leverage | 8.03% (p17 of band) | 9.62% |
| Unrealized securities loss / equity | 1.13% (p23 of band) | 3.85% |
| AOCI / equity | -1.28% (p8 of band) | |
| ROA (annualized) | -0.83% (p5 of band) | 0.91% |
| Net interest margin | 3.29% (p30 of band) | 3.65% |
| Efficiency ratio | 87.08% (p91 of band) | |
| Noncurrent loans | 13.80% (p97 of band) | 1.60% |
| Net charge-offs (annualized) | 0.55% (p76 of band) | |
| Reserve coverage of noncurrent | 38.39% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 148.28% (p99 of band) | |
| Auto loans | $9.1M (0.79% of loans; DQ 5.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 482 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-03 | 5 | noncurrent p90, deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2012-06 | 6 | losing money, expense ratio p90 | deposits shrinking |
| 2012-09 | 7 | capital falling |  |
| 2012-12 | 6 |  | capital falling |

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

- 2010-08-25 [AmSouth building becomes the RSA-BankTrust building today - AL.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9CUF9TWlB5TkdWbFJSckowc2JSQ0NhalRIY3hZMmg1aHpYR1k3ZDJFOWtNLWJDWlFEeDVoQ1VoOTg2M1MtcHJqRmkyMlZtcHpLWkVUVEVoMnVoV1d5MGNpM0tqazBHU0pIQWpHV0Iyb2g0d2VjUEE?oc=5) · AL.com
- 2008-01-17 [West Alabama Bank buys local BankTrust offices - tuscaloosanews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSXFHRFVmWjFpR0ZpNUtFNWUzcVFfSzVtbC1sTlZIOE05elp6MXF0b2xnUkFCVDVuU3pvaDd4bklxRWpkeGJnMkhuSExNNHFXQVMwQ3pEVkV4aVFYanp1N3g2bjFmYm1XeTc4NXZCOGhpb0dsbmgxcVRkQmtPWE1vdHUwcGhHSW82WEdBZEdkS2hqUDRfSXE3eGt0SHJPWEhGRlRIaVU0MlYtU2w2Vm9Vb0Fn?oc=5) · tuscaloosanews.com
- 2018-04-10 [North State Bank Expands Commercial Team With Billy Hood - WilmingtonBiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcjdhbno2c2tiWkJCTWREbVhJaWVUdE81dXQtX1BmLXFRXzVXck5sTlZxY0pDRzhHV3JmaTZBRExmTmlRR0FDM3prYUllcXBnTXdNTjhfOVk3eXFiMElxVlF6OU44VHZSOXYtRlIxYWM3M19TQ3hQOFBqNFJSbzhRclc2OHA1SFVCQWhnRlBDQXBOU0kzcFJTdFY4UDBMamJXcUJ2TkphRWE1d0w1Rmx5UThaQQ?oc=5) · WilmingtonBiz
- 2012-12-28 [BankTrust welcomes Stewart home - The Selma Times-Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUjFPT3ktRmQ1NFJiR1RFa05nWDY2VTJ1Wk9ET3hXWUJqeDBYc0ZVekRyYTZNeGlTTU1VOVlvNDVTd2xrekJtUEUwQktzeTRMOUhnTV95Q1BhVmk5U09ZQXM2RXVKaHNjOUJDVmlKQzB0c2dLamh0NHBmVExneTFrbkxESQ?oc=5) · The Selma Times-Journal
- 2010-03-30 [State Line Bank Robbery Suspects Indicted - NorthEscambia.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbVpVdW5VblR6cnJIYW55UDNlbVRQcWdnRnpzbXhPN212WU1mM0k5OWwyekYweDd0ZXpPQkZfczhsakFBc3lKdEFBWG5JSEtsRTFob3U5U3hwMk1Lb3lfaktUMW9hQXUtakpuWlJZRG9CM3hITFpkcW9Ed1liNWRpT2lNU3Y?oc=5) · NorthEscambia.com
- 2013-04-25 [ServisFirst Bank names executives, board for Mobile, including Bibb Lamar as chairman, CEO - AL.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1Dd3AwemtlYzJjY0FNMHNoZVNaT296QUREZFJaUHM0OU9PeFNydGtVV3FtTzh3M2F5NDJpVFVmNGpqbW42b3ROal9KeEVXZXFTelZGaENhSEYzMTZjNlBscmUtTDhwOWM1bXBENm8yNF9na0dxRFE?oc=5) · AL.com
- 2024-02-09 [Agnes Faye Morgan Niven Obituary (2024) - Calera, AL - Charter Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxONTN3VXBBbzVEaW00MHNjZzRjYU1hUGMwcmJGbmV2NE5JRm9pdmhxcU5Bb3VZWUU5Y2xuZVZKTC1WajlETWM2OXhVZDg4elRwQ1R5UHRSNjBucUR1NHlhUENTYzlSYndMa0pKMjM0V2NlR0pKMmFfeHR6dmpGX1BTVjZic014TXMxSGN2dGR2cw?oc=5) · legacy.com
- 2021-10-11 [Frederick Taul Obituary (2009) - Mobile, AL - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOVlAxeWNMaWFYTjcyLTFtVm5rS1otSWFORjVDUTlDOVpYTXk2WGZSSk80Y3dfWDdLdEREQ1ZVX0w1ZV9zUTlqbWczU0FYZU90bXJEeVdISzk0YUplbTNLZDk4a2ZfSnZPV244dDN0N01jNTJGcEdyWkktWG9BTlV5elZtSGdCdktfanc?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26607 (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/47.json (key "26607", 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