# BANK OF CLEVELAND
CLEVELAND, TN · FDIC certificate 26955 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $381.2M | |
| Deposits | $282.1M | |
| Loans and leases | $287.6M | |
| Total equity | $93.0M | |
| Loans / deposits | 100.83% (p91 of band) | 81.31% |
| Liquid assets / assets | 12.89% (p10 of band) | |
| Uninsured deposits / deposits | 24.31% (p47 of band) | 24.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.15% (p97 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -12.52% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 0.66% (p22 of band) | 1.11% |
| Net interest margin | 4.48% (p86 of band) | 3.64% |
| Efficiency ratio | 35.25% (p2 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 53.60% (p56 of band) | |
| Auto loans | $217,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent | brokered >10% |
| 2012-03 | 4 | deposits shrinking, assets shrinking | liquid assets <10% |
| 2012-06 | 2 |  | loans exceed deposits, reserve under noncurrent |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 | charge-offs p90 | deposits shrinking |
| 2013-03 | 3 | loans exceed deposits, deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | loans exceed deposits, deposits shrinking |
| 2013-12 | 1 | deposits shrinking | assets shrinking |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 0 |  | charge-offs p90 |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 3 | capital falling, charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | loans exceed deposits, liquid assets <10% | capital falling, charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2017-06 | 5 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2017-09 | 1 |  | reserve under noncurrent, capital falling, liquid assets <10%, construction >100% equity |
| 2017-12 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2018-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-06 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 0 |  | charge-offs p90, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | uninsured deposits leaving |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | uninsured deposits leaving |
| 2021-12 | 2 | uninsured deposits leaving |  |
| 2022-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | loans exceed deposits, deposits shrinking |  |
| 2025-03 | 2 | losing money, NIM <2.5% | loans exceed deposits, deposits shrinking |
| 2025-06 | 2 | loans exceed deposits, capital falling | losing money, NIM <2.5% |

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

- 2026-06-12 [Patricia Callaway Obituary Jun 12, 2026 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE12YjcwRU9qVFh5OFJkUjFQWEhLSlRsdzc4T0xrdjM2aEw0bkxCSEhmYVd5YnN1Y25tWjFqaHZHWUJraGMwUVptcjM5T3RRa0VXa1N6YlBzUWFhbDBuejRRdXZ6clZ6V1E?oc=5) · obituary.companionfunerals.com
- 2024-10-17 [Chattanooga-based Builtwell Bank to acquire Bank of Cleveland - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxPRWNueTlianptVlRvS1lxT1lkMzZ6QktiM3ZpYnJGZ3d5V1FyTjFlVU5XQlVPdU01SXZwc2FvZ2xONzJmbWFOei1SdTlzdDctUmJfbG9uUEp3azN0a2VDTmpQMEU4ZC1ONzJGUng3eDJJRHhUaHk4bC1mR0NfVTNCTGd5LXZENklMWmdoUC1tNUltTGRBWlIzWHRxYzlLdw?oc=5) · Chattanooga Times Free Press
- 2024-02-05 [James Nicholson named to to board for Federal Reserve Bank of Cleveland - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOd21xMlplYkV5bVFxZHFsUTVrM25kVlFxY0hDN0dGNEpJaGtveVl6RExkNzg1Z19UMHZfa1hKWThGdGpnWWVqRVB6bnE2VUhWRGl0d3R4ejk0Mjl4VEdEeFhidFhuREowdmhFcDVoMm9hMDJnMGVoM210b3Y4cXB4RHR0UkxYeFZvYy1kUFVnaW5uQS1UeVc2dUU5OXVscWRWODVWS2Itcl9IRE9aWWVwbXBNVnJrRC15YUhYZ1hJRXFCUk56Z0p3bjVFNDRXMVE3d3lPejJwM1RLWHhaWGNn?oc=5) · Zanesville Times Recorder
- 2025-05-15 [Tech economics major presents research at Federal Reserve Bank conference - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMXFGVExaTjRWWVE5ZFl3Z0NZTFJpdHVVU3BWdlIzbm1uajFmOWF6cGNCTG1DUlVWVnhRUE00OXRHSS1ENE1vYlo5Sm9FTU5uODhkS3VzR3RscDBsUVF3R2lxcXNoTThTa0J1c1o1MlJSeVNMelZQOURCdzFtbDBWdjVxdVNHeGlUWmRRQmIxN3ZVMmsxcGQ3eGItRHV3ZmRKaXdB?oc=5) · Upper Cumberland Business Journal
- 2025-02-19 [Boomerang Migration: Which Regions Have the Most, and Can It Make a Difference? - Federal Reserve Bank of Cleveland](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbWpQYnpZZmhUMS1mTVVBbzJhYndHTWs5WlAyeFg0QWdYdi1pRTgtUlFJSUFERHJydlB4OEdUZENHUzdyWXhFeXBxZHBITnlfa2phQnQxallLbGRMalZQa0lhRXVzcGY2SVNVVUdaMWtLNEU4M3d1X2JLTjNfOUIxR0xETkxiMXhOZHl1dnhaaG5SQWs2SEVnZmVVbFVmcWw0bjkxUUh0U0pmZnd1STFTcFlCTXpqZw?oc=5) · Federal Reserve Bank of Cleveland
- 2024-09-05 [Builtwell Bank acquires Bank of Cleveland - Cleveland Daily Banner](https://news.google.com/rss/articles/CBMixwFBVV95cUxQMTBoNkFKbzJCMzNxa3I0T3FVXzVCUERfbTctMTkzbkFRMVV2cTdVbEwyNlR4MHFveGFKZGw2Y1VIc0JJT1ZBaEFtTnBYMXh3enVkRVRWN0I0WTJFVXRPMDJ5aDdpN2xfby1iZ00tUXJqSW0wQnRkLU96N2dJeEJiczY4bW5Ra1BlTFBYSUZjMVJ0bWtRa2RRZGxxWUw1VWFwcTVPc3lEaXlOUVp3Tnd6NjBDUU1ydXkwZTJoaDZHZzVBYlRPMWJF?oc=5) · Cleveland Daily Banner
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3h5RW1VTUtjSG1vSmRwSGo1RXZjdlFpa3F6NjhOU2EtRW9HR1ZndlZwTE94dlJBQ19rekotdVlCXzYtUUk2TWx4clNNUEhwXzZpckQ4bE5XNlRFOENBUklEXzctam1yY2hJc2otQk5NdWpVeWxKSHk1VnlsU0FiVnAyTmU3d1dfUzAxOGVQd1M?oc=5) · Newsweek Rankings
- 2011-11-07 [Bank Of Cleveland Names President And Chief Lending Officer - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbmZnUzc2Mk5SeHp0WDg1Smp5dDZwTjNnWHpiQXJ0VHgzTmhwWFg2N2E3V3dUNDBWVXZ3emN2TW1DeVRZem1JZ0RLRDNueEtSUFdlR1RLOHZidDlvMnhaR0FWYlFzdERTU0x0cE14RHhzcDZTYzdoUldheWV1NkltcUhNcW5tbkhmbTFNOEY5eTAtQQ?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26955 (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 "26955", 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