# ALIANT BANK
ALEXANDER CITY, AL · FDIC certificate 2773 · asset band $300M-1B · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $928.6M | |
| Deposits | $743.0M | |
| Loans and leases | $686.0M | |
| Total equity | $100.1M | |
| Loans / deposits | 89.57% (p79 of band) | 77.91% |
| Liquid assets / assets | 19.29% (p21 of band) | |
| Uninsured deposits / deposits | 22.63% (p86 of band) | 12.16% |
| Brokered deposits | 2.42% | |
| Wholesale funding | 11.26% (p66 of band) | |
| FHLB advances / assets | 8.56% | |
| Tier 1 leverage | 8.29% (p22 of band) | 9.49% |
| Unrealized securities loss / equity | 5.95% (p63 of band) | 4.04% |
| AOCI / equity | 3.20% (p67 of band) | |
| ROA (annualized) | -0.22% (p12 of band) | 0.70% |
| Net interest margin | 4.08% (p73 of band) | 3.76% |
| Efficiency ratio | 74.69% (p66 of band) | |
| Noncurrent loans | 4.60% (p76 of band) | 2.16% |
| Net charge-offs (annualized) | 1.91% (p94 of band) | |
| Reserve coverage of noncurrent | 64.83% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 69.18% (p75 of band) | |
| Auto loans | $1.5M (0.23% of loans; DQ 6.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 263 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | wholesale funding >15% |
| 2011-09 | 3 |  |  |

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

- 2015-05-21 [Five Questions with Roy Williams: A chat with Harlan Parrish of USAmeribank - 280 Living](https://news.google.com/rss/articles/CBMickFVX3lxTE92TDNtQzBXSDdtc25pd0h1eUYzRXVOWmFncHFRblhVOHpFNERyakVSVVlONUxxN1c1eXZINy1EMXdXS3NWZkI2RElzdl9SLXJDdjVpVE1FRmt3ci01TkdnRVZnMUJYMl9KTy1wNE5zQUNCUdIBfEFVX3lxTFAxUTNDR3dyYTJqSkxYYXhDdU50dzE2ZGtwUkZRS2FHNFUxVnBGQTE3WTlBNEIyY3NKcVM5bzVXSlBLeXRUcGVaZjJtWDdRUG1qYjZjRU5McmZ5ZkNCQlRSSkZXeVJPZDQ5WGRCQzYtRXpONlpDcllRRzQ2VVM?oc=5) · 280 Living
- 2014-07-11 [People in business news - Montgomery Advertiser](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYURZd0tWUko0d2wycEJJOU9xbDRrdHltaHNVc0FZYXhjQ2c1MzRuU2hqaE1FeVk3bUtVa2IySUJYMEprclNyX0RfOUQ4RjFCWENlc1l2aHVWQUVZdldtb0FsV2FHRmlzV0V3cDVPcUU0bU5yOWFhZy1BbzZRSkZmdEdBTEtybWNlblVPdmdsX3l5TUp2bm42ckV3RVNwbVha?oc=5) · Montgomery Advertiser
- 2019-06-27 [Mississippi-based Community Bank enters Birmingham market - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbG9Gamo1MXFnQUNjOGNuSjhvYTlTODhlRGEzLVN1U1BGOXk0LWVKWTk3Y3pyVlR4ZnBiZzFZeEpPUHE1TnlMbWxXcEVjam5nVjNGYWlNX0dLT2ZINEoxTzI0MUh4d0RNNnR5ZWJVemYzZWRsOGxwd09Vc0FnNGU1dXRqRnpYRWNTODZBbGZHUWlEZnNOTXRLejBnMlItVGtKb1NOQWRSZWlzTXVsV0gw?oc=5) · The Business Journals
- 2007-02-02 [Ashley Nicole Trimm - AL.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOVEFzS3ZVRlFqczBBOWRGQ0VSRzdJb0ItdGFfbVRkd2F3cDd5eHhDRmRaZDR1RE1SVTBnN1Jmc2xSc3JnZnpubmZuWjQyZHhTbTdOUGxyc0RDQnZyRHhTUDh2am9CNkQ5bENEa2hrdFRBRk5qcFJ3SHZ0cGpfOU9NTnVTb094eUpSMW5Fcg?oc=5) · AL.com
- 2022-03-20 [Louie Graydon Obituary - Montgomery, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOUGtUMUFCNkE4MjVxMVJOMjluc01Rem15REtYMUVQcG9taHBFRTRILVVmbUNLQ1Fmb1pLZ2JYR0VJVUNxNmU2dGx5Q200QUJ3Vm02MkVEcFR5QkZybWJudi1EbUlWM1hDZjBVN1FzOUl2R1g1cEVDUkpyME9ORHZPQWEtUnZLUQ?oc=5) · Dignity Memorial
- 2025-08-06 [Former Southern States Bank exec joins First US Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOS1JFa2JOOFBWTjNPdWdfN1Y1WEg3SXYwMTdia1RQVWMzRnFJSEFBZlEwZTJscGtpeFRYX3lCOWVxQzZtTnVzbm15SHMwNlI2eC0zRUNnWlBseHNCWHVWMDh3VDJEeFY4bVF6ZDdzbjdOTjNHeHQ1bGdvZG5DWlRFREhsN09VOGJmQm9nMzc0UENmTEhkUFVQcnJBdkFRNFBnSDVUeTJkaFdWNkE?oc=5) · The Business Journals
- 2024-05-11 [Mable Childers Baker Jarvis Obituary (2024) - Alexander City, AL - Radney Funeral Home - Alexander City - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQ0FmRjMyVTRoUV9Pcm04Y2NqdmR0Njk1Uy0tNVhwcVdjX0dxUGxBLWVaY3FZVTRvb0VWeVE1eUI3clA2MXpOTm40Ty1yUzNVXzlQWmh2RlZiSUlOeFIxWWNUOUxhaW5uU2NaY2NCV2JadExETFJjSWEwTTd5UDhDcGNFZGlxVzZlc29jNElrdFdBcl9K?oc=5) · legacy.com
- 2003-08-15 [Katharine Brook Potts Palmer - AL.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQc25CM0hiaFozbThXWWM0dXhoOFJWU0h3TzNGdlNSUG9BbWhiTVNPMUdJdUItQ0dzbWlxTkNDclVPR0k5T2dkTzgzMUFsNHlaSF9LeGxtMGpEY0RZZ0tkQUs1MGVkQ001WFFEVWNfSTBBMDRoS0xBd0pITlkyWUhyRlBDRVRRZWdFMVk5Wk4teUEydw?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2773 (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/21.json (key "2773", 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