# FNB BANK
SCOTTSBORO, AL · FDIC certificate 2824 · asset band $300M-1B · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $825.3M | |
| Deposits | $713.1M | |
| Loans and leases | $475.1M | |
| Total equity | $88.5M | |
| Loans / deposits | 65.91% (p35 of band) | 73.43% |
| Liquid assets / assets | 36.30% (p60 of band) | |
| Uninsured deposits / deposits | 22.57% (p40 of band) | 24.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.42% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p51 of band) | 9.83% |
| Unrealized securities loss / equity | 0.81% (p49 of band) | 0.83% |
| AOCI / equity | -2.21% (p35 of band) | |
| ROA (annualized) | 0.50% (p10 of band) | 1.17% |
| Net interest margin | 3.24% (p45 of band) | 3.30% |
| Efficiency ratio | 86.17% (p95 of band) | |
| Noncurrent loans | 0.53% (p55 of band) | 0.45% |
| Net charge-offs (annualized) | 0.03% (p81 of band) | |
| Reserve coverage of noncurrent | 204.81% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 48.13% (p64 of band) | |
| Auto loans | $4.6M (0.97% of loans; DQ 0.28%, NCO 0.00%) | |
| Loans to nondepository financials | $1.2M (1% of equity) (p92 of band) | |
| Deposits YoY | 19.6% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-06 | 0 |  | capital falling, losing money, expense ratio p90, charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 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 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | capital falling, noncurrent p90 |  |
| 2019-12 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2020-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | expense ratio p90 |  |

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

- 2021-01-14 [BancorpSouth to buy FNS Bancshares in $108 million deal - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOUpYZEFoRWItUndrbXJoVnlmMk41djU5bTZVT2lpbVR1cWc2Tlhfb0JGX1d2SWhzY1hodTY4ZEhLQW0yc2dwZ09lRlYtRlFJaW5kNkpWdzUxcHFVOVBpU1RWN3huemQ1RXR1ekZTb0ZUeThoZVQzem5SR1RSSE5URXpWUGNuRW9nU2pB?oc=5) · Business Alabama Magazine
- 2024-09-14 [McWilliams joins First Southern State Bank - Jackson County Sentinel](https://news.google.com/rss/articles/CBMigwFBVV95cUxNNGVzODdqSFNwRWJZZ2FFbWJhcUFITFJYRG9KRjRBMWxnaGNESGxTYTJtdm05bHR1SHhxTlVFMWZOUk1INDZ6QmpSTDk4dFNwb1U0b0g4dmV3XzlfWm0wSlFiU0Z5T0lWQlhkYWFlTFA4b1lYVDJMOGc4YlJOQUVfRnZQSQ?oc=5) · Jackson County Sentinel
- 2021-04-19 [Alabama bank to buy Peoples State - Nashville Post](https://news.google.com/rss/articles/CBMiygFBVV95cUxQMXlDYWg2Vkw5aUdvZndUZXFLd19wSmpKRlZtZ0V6UU5ha19jVmRzaDdLcjRkRmFtT1pQeG1abjlSNzRQem1wUTlvN2xaTTJvTThYOWxMUjkxV2E0eWYtV2FrSjgzcHdiUTB1RFBtRmlwSVhPazVDeTlWVzVYYWp6U1doaFdsTnFzODl4R3NRdjVzV0k2ZGpYSl9xa2VVckl0UU14UG9EWlVIdHpEcDVEUUZMR0Q5Z0twQ3RqNm9RdFVrbXliRWRiNVl3?oc=5) · Nashville Post
- 2015-11-03 [Steve Rownd to head FNB Bank in Scottsboro - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdURZN1d1c0czRktPUEEtU2dJVUJsbTJYSndGR1psd0lHUkZabVpHTlQ0dENLdERNN3p0cW16RDZwX19UYW9hZUdBTXpKakYtZFlJMVk4aGhQNVY0d3l5NXpGWlB4Z3h6R1ZXNl9Pa19YYWQ4c1daZ0lkT1YwWkJJWk5aelBxZw?oc=5) · Chattanooga Times Free Press
- 2019-02-04 [F.N.B. hires former Regions exec to drive SBA lending - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPU2x2RmpXUFBybVE4YkdRb3Zxak5POVAzcnZjUTNBaHRHQzhNZWpyUlJVWk5XVXFmLTBGNGs0SkNZRU8tNHdxV19vRHJlSlA3Y1FWUkFkYkJ1M0x5cFJ0MmhPUjRSckIyb28yVE5pRk85bHUxUUlUQXZITUlmdm4zYjRLWnV2ZXNkV3BpbHZVdWhlQ1djcjcwX1k0dzNkX1Nzc2RyMEMzUFhfcloyUklz?oc=5) · The Business Journals
- 2020-09-11 [Abeiku Santana, FNB Bank, others join Veteran Joseph Hammond on his last walk - CitiNewsroom.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNckEtQ21JRTZOSDlDQl9NSk1Oc0ltQWR5Q254RnJCb243RkhPXzBhZ2hkdVlJYUs1eTZDemZnSEpfRUJtR21pTmZreVRlTUdJR2hkRjdFN3pVd2tsNGZ3RmZiaDNrdVJFQ293b0ZkZHhvSDRFdjR2NmJmMnRlTEVGc0tTRmd1bHpOTXpqYTlEejMxUE9HUFhDc19MbloxS1hGWEdTX3QxM2FsQWJNN2RySDl1VQ?oc=5) · CitiNewsroom.com
- 2024-11-25 [#TheLaundry: How Eswatini became a transit hub for Southern Africa’s money laundering networks - AmaBhungane Centre for Investigative Journalism](https://news.google.com/rss/articles/CBMitwFBVV95cUxOMlVHOERqcTJXRmk2dWpRa0RFRGViS0Z5WXJaQ3NxZXB3S1JvNzZoR1ZMT2c1Ym1LZ0xfWnM4N1FLcTZhNDFpWGd5Mk12QlMzUHl0OWlhalRuNGlOMVAxSmt1b214eVN1RjBtLUY4eGJQSE1VN1F4Q2NmSmRrRlNMUy1FSVU1RzlLNVgtMGNtdEZSV0FwSnNac19DVTloV0hlVWhWY2QyRDlZSUxBSkVQdjJRSTExSEE?oc=5) · AmaBhungane Centre for Investigative Journalism
- 2022-04-16 [How to help flood victims - IOL](https://news.google.com/rss/articles/CBMickFVX3lxTE1pdXlhNmpWbGJEMl9CVEptLWVrTVFVcWZ2eWdzRmJhR1pXNlZyUVoxZG9HeFBtRUdxalNSUHJBb2VrcGdSUU5kckZHUWRudGY4d1ptdUN4NWtlZFlQZG5tTy1hbHR1ZzFWdXVpVmE5QmVWdw?oc=5) · IOL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2824 (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/8.json (key "2824", 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