# CLOVER COMMUNITY BANK CLOVER, SC · FDIC certificate 27055 · asset band <$300M · latest filing 2018-12 · stopped filing (departed) **Verdict on the desk:** this could be *credit-stressed*. 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 | $126.5M | | | Deposits | $111.9M | | | Loans and leases | $66.3M | | | Total equity | $13.3M | | | Loans / deposits | 58.01% (p22 of band) | 77.51% | | Liquid assets / assets | 42.57% (p73 of band) | | | Uninsured deposits / deposits | 7.58% (p15 of band) | 15.78% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p19 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 9.99% (p28 of band) | 11.30% | | Unrealized securities loss / equity | -3.09% (p35 of band) | -1.85% | | AOCI / equity | -3.20% (p13 of band) | | | ROA (annualized) | 0.83% (p38 of band) | 0.99% | | Net interest margin | 4.53% (p85 of band) | 3.82% | | Efficiency ratio | 79.23% (p75 of band) | | | Noncurrent loans | 3.52% (p94 of band) | 0.53% | | Net charge-offs (annualized) | 0.02% (p50 of band) | | | Reserve coverage of noncurrent | 62.21% | | | Real estate % of loans | 83% | | | Construction % of loans | 50.24% (p79 of band) | | | Auto loans | $2.5M (3.71% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -1.0% | | | Employees | 24 | | ## Flags firing in the latest filing - **noncurrent p90** (`aq_noncurrent`) - **reserve under noncurrent** (`aq_reserve`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 4 | leverage <7%, losing money, charge-offs p90, reserve under noncurrent | | | 2011-06 | 2 | | losing money, reserve under noncurrent | | 2011-09 | 1 | | leverage <7% | | 2011-12 | 1 | | | | 2012-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 | | 2012-06 | 1 | | assets shrinking | | 2012-09 | 4 | reserve under noncurrent, assets shrinking, uninsured deposits leaving | | | 2012-12 | 3 | noncurrent p90 | assets shrinking, uninsured deposits leaving | | 2013-03 | 3 | charge-offs p90 | deposits shrinking | | 2013-06 | 2 | deposits shrinking | reserve under noncurrent, noncurrent p90 | | 2013-09 | 1 | | deposits shrinking | | 2013-12 | 0 | | charge-offs p90 | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 2 | capital falling, charge-offs p90 | | | 2017-03 | 0 | | capital falling, charge-offs p90 | | 2017-06 | 0 | | | | 2017-09 | 1 | uninsured deposits leaving | | | 2017-12 | 0 | | uninsured deposits leaving | | 2018-03 | 2 | noncurrent p90, reserve under noncurrent | | | 2018-06 | 2 | | | | 2018-09 | 3 | uninsured deposits leaving | | | 2018-12 | 2 | | uninsured deposits leaving | ## In the news (Google News, unfiltered, newest first; check the city) - 2010-12-05 [Police search for bank robber in York Co. - WBTV](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ORjhGMjlocjczbVMtaFlWdTNZSFpnS0VZb3dta1NuYUhtMGptMVhvX2xRRUVIRWRCQjVqcGFWalhyZTZJZ1FvWmgtTUo3cERFenBfSG9rb29uR1pnbUtac25sMU9TTmc0VUxpdFM5Y3VGNEh30gGHAUFVX3lxTE9TaGtfdnBKa3A1T3ozaDF5NGNiQmtwVzBNNmlwVkJnMS1kbUNFSVVJdVdDcGgtVzNXRXMwSTAxVUdCYXE0cnh1Sk91TXhGcHBPOXNtSnhHOXF2emU4VU50QmJrS0ZhN0haUldSUjFGbUxDNjRiU1BpeWFXV3Jkb1BzNEZhSEk5TQ?oc=5) · WBTV - 2019-01-09 [Carolina Trust acquisition creates $600M bank in greater Charlotte region - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQ0NWdHNTZWRTRld6a3pfSU9FTmlFZXRYWTlFajJKYWhJLXY1aFkwVjNaSkRmeFo1MG9BWTNRTV8tc3pJbkp1eFJsZXpoRldhZ2ZBcXRlLTJ0Q1hCa2l4U1Zpd2hWdmFDWkdoWGt1T2tweVBKb3JjY2liRk5LLUc5cDBIcGFkUmkxdG91UlY5aHJfX0FsX2pWd3lVMWtwLXFWbVBiMUxKTENpZw?oc=5) · The Business Journals - 2022-05-24 [Obituary for Marguerite (Robbins) Phillips - M. L. Ford & Sons Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9ZU0VDMjZMc0dJNm1mbXFfUG9sWXNtVEsyUXlDMHBNdGhCeG5HYnFrUzJlaTdmbzRFNmJqamFMQldwTUtheU9ZNlExaDlvQVpYYTc1QnMzeEYxemZYb01CRjdwc2FfZw?oc=5) · M. L. Ford & Sons Funeral Home - 2022-08-30 [Obituary for Gladys Riddle Whitesides - Bratton Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5ST3ZqWnBQSWRsdlBVWm00ckFpcVU1YWtIQjcwQ0ZNVUJmb2xrMUcxM1dKQ3ppNjlJVlhrTW5DUm9oYjRBb0NlUlJMX01hMVozWThMM0ZvaGFYU2RCZi1hVzVVeGRPWDlfdG83U1dR?oc=5) · Bratton Funeral Home - 2014-09-30 [Obituary for Charles "Dick" Richard Burrell, Sr. - M. L. Ford & Sons Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9sUERlNzV2MDlqYUNsamdzYlFvWEFTN2Q5dnUyYlh6aTBFOXhTVTA4aGxwWDNwZkd4WDd1OE1BbzA0Q2t2TEhIbHVITHFMOVdlTURYelhEWHFaZTlWRXdfbHZoWEQxdzNX?oc=5) · M. L. Ford & Sons Funeral Home - 2014-01-28 [Obituary for Herbert Kirsh - M. L. Ford & Sons Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8yclBubTRVcEl3NGtEbHdMSWhXTXYzbTFyZWRDdDM0UGZCV0tpb2d1SnZyT3pkZ014cENGd1U1ME92RWNwNzZVS09FS01wZVBJZGI2Z0RyYjJBNjcwNXc?oc=5) · M. L. Ford & Sons Funeral Home - 2023-09-23 [Obituary for Brenda Carol (Moore) Boyd - M. L. Ford & Sons Funeral Home](https://news.google.com/rss/articles/CBMiW0FVX3lxTE0tTk44WHczYW92NjllOFZmaWJkSUtRZmdNaVBTaF9Ec2Z1TkYwNllqRzVjN2ZuR09hR1NsQ2tQc0N5dFhacl9XdzRvZHhoRXhZU0JtWjVVemdxTDg?oc=5) · M. L. Ford & Sons Funeral Home - 2004-10-16 [Eric Loomis Obituary (2004) - Clover, NC - Charlotte Observer - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNSjdTbXVqbnB4VVc2WjdqbG1LYzB5WGo5dV95U1NiMFRRME8wZE9rNl9fRDlMdFRaZE1Pa0VlUkw3c2FoSWFnWHY3dUhQOV9VOEY4VVh0MnJsUTBnMWlhRkg2aW9tQTk0cXp6U2V0V092eUNuR3dQOEhRY3RvMjhIRjhkNzNJMEFsMEpyVw?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=27055 (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 "27055", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide