# FIRST ADVANTAGE BANK
CLARKSVILLE, TN · FDIC certificate 30698 · asset band $300M-1B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $735.2M | |
| Deposits | $611.2M | |
| Loans and leases | $650.0M | |
| Total equity | $75.1M | |
| Loans / deposits | 105.46% (p93 of band) | 84.67% |
| Liquid assets / assets | 6.62% (p2 of band) | |
| Uninsured deposits / deposits | 21.03% (p45 of band) | 22.09% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 4.91% (p52 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 10.12% (p38 of band) | 10.64% |
| Unrealized securities loss / equity | 1.47% (p57 of band) | 1.01% |
| AOCI / equity | 0.43% (p55 of band) | |
| ROA (annualized) | -1.06% (p2 of band) | 0.99% |
| Net interest margin | 4.25% (p86 of band) | 3.64% |
| Efficiency ratio | 129.84% (p99 of band) | |
| Noncurrent loans | 1.04% (p72 of band) | 0.56% |
| Net charge-offs (annualized) | 0.17% (p89 of band) | |
| Reserve coverage of noncurrent | 79.95% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 114.92% (p95 of band) | |
| Auto loans | $96,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 130 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | reserve under noncurrent |
| 2011-09 | 3 | capital falling | construction >100% equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | reserve under noncurrent | capital falling |
| 2012-06 | 1 |  | wholesale funding >15%, reserve under noncurrent |
| 2012-09 | 0 |  | loans exceed deposits |
| 2012-12 | 3 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 |  | capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 6 | charge-offs p90 |  |
| 2015-06 | 5 |  | charge-offs p90 |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | noncurrent p90 |  |
| 2016-03 | 3 |  | capital falling, wholesale funding >15%, noncurrent p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | capital falling | loans exceed deposits |
| 2016-12 | 2 |  | construction >100% equity |
| 2017-03 | 2 | loans exceed deposits | capital falling |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 3 | liquid assets <10%, capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | construction >100% equity | liquid assets <10% |
| 2018-06 | 2 | liquid assets <10% | capital falling, construction >100% equity |
| 2018-09 | 4 | reserve under noncurrent, construction >100% equity |  |
| 2018-12 | 5 | capital falling |  |
| 2019-03 | 5 | charge-offs p90 | construction >100% equity |
| 2019-06 | 4 |  | charge-offs p90 |
| 2019-09 | 4 | construction >100% equity | liquid assets <10% |
| 2019-12 | 5 | liquid assets <10% |  |
| 2020-03 | 7 | losing money, expense ratio p90 |  |

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

- 2019-10-23 [First Advantage Bank announces merger with Reliant Bank - Clarksville Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxQck84MmhFd2M2Wm1LR0p0bHp1U0ZEVllYQ0RoV1E0U3Y4cmZnWTM5M2pxU1N5dllnbTQ4LVdVV2JzVk1NZXdpR1dna21uSDZTSS0xWFJIVHNqSGxBRzZFNG9zaDQtMXM3UlhZWWp0a1VpNHdGSkxrdDdPM01nbkhMV0hFTWNvclA1SlBpR0lxTjFhc28?oc=5) · Clarksville Now
- 2019-10-25 [Reliant to acquire Clarksville's First Advantage Bank - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQnVuUC16YllJVU5mbks1UUZMbmJUSTJGcmJubE44dFN2QXBwVUp3Y1ZZemgzMkZ5S0NaTzhtYjl3VzRFaWZuSEJQV2wydzdPRG1tdjBXcGNUNU80eDB5Y3NKUElrR0hleHpscWpNb2cxcDNERnplNXlHZ0x6TmlFakFpNVNMZGpIMmlENGp1azhWblZ0UmZ0enZRQjkxd1A2N2Z5VDFOcmF0YV9ISS15MU9YZVZPOVJPd1R5RE9UZEhBVGNzdVpWOFRseVJmNnM?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2015-06-25 [First Advantage gives Pinnacle a taste of its own medicine - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZUliVE9LOWpPVEZPWFhzenNCTnhnZmhBTGFiU05jQktVcjlOODByQ0RyOEs2azhkb05ua1Bmby1nLXpjSEVDeXQxdE9TLWs1VXlERVcwZC1NaGxPR0xaZ1lqMzhMaThsQkkwYk00aVZSOTR1ZFlsQ3pBbXlYb09iVnRabWFLN3dvS0lqUm5rdms0QnhYcDVtNXI5TkwwTDY5X095YkxJMDJnTkxIUHZzdw?oc=5) · The Business Journals
- 2017-05-06 [Thomas Bumpus Obituary May 6, 2017 - Sykes Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5nWjB5cHJxXzlYei1NcktwWHFTbFl5VUJ2anFQYndIV1Y0NmhhMkVaVnhzVVBjOVJZUnI3VDJtTUZ3NDdHTWF6NEhvSzFDLUFOYndxbGhGRUZTMHdBMzRrOGloOGkyeUtF?oc=5) · Sykes Funeral Home &amp; Crematory
- 2020-01-07 [Long-time Clarksville banker retires after 51 years of devoted service - Clarksville Now](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTTlWSXRzdi1IWF9IZmRDYkEzYkg0MGVYdC15REdvRG5sTDBnQjQ0bGFOVlpWZFJLOU9xdE5ObHI1QUFRa2pNejY5ZE1mRFRjMkExOHNmQlQxYkhlbzhrRHBCMk5tYkg3Y09QWDdFdFd5U0E0eXVnQ19RY0dYZm9aUXlLTEZsOHBzdVFlUG9Ga0lXNDEweGdRX29kbHpJX205SXNIVmd6RQ?oc=5) · Clarksville Now
- 2015-05-07 [Hilltop Supermarket to host Spring Festival fundraiser for Kenai Langley - Clarksville Online](https://news.google.com/rss/articles/CBMiugFBVV95cUxOX1NTVDZqaTBrU3JnWlY0aHF0Vzdzd2pzaFA3ZFJ4YXZaOXNUR3FJWkxEbnAtNi1wLVVlWGhNbk9Nb3psUVZLaHREU0V4ZmE5RlFKTDVoTjhNQXBiUUtndmRxRDY1dkEyZWNaR09EMGJjS0xuZGVZVjVVbE9hZmo0U0ItNExvU1NsSXVaSE5IQWlvMnhHU0d3Z1cxWTRualpOcURHRnpfdkVfVE1tcEJxWVQ4dkxyQVpDbUE?oc=5) · Clarksville Online
- 2026-05-19 [Sonja Williams Obituary (2026) - Clarksville, TN - Foston Funeral Home - Clarksville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPR29BblQtQTZ2dVI1NURMWVotbUltTkdVdWpObTFKZDJHNVJ2em0wTU56elJncEFicFhIOFFJc1FVdm1KdmdOMzZ0RTBKNzdSc1p6bUxmSHhGWFpfVTdnM0l4OW0yUFBVNnNXZm1Nakc1aENpbzVmNkpDLWNQVV9ZaTl6Zw?oc=5) · legacy.com
- 2020-06-02 [Brentwood bank names new CFO - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOa25aUHdWNTVrMDRNNFByQkRlckxIbU10WklZaHI1ZF9NSmdYb0FlWUo2cUlrdzZVcFhMSmIxMTg2VHFSUkZnWUp6TzRXaEM3MlRpTXIyVElOMUZnN1BUNVd5ZDBjTnRUeEJCcjVFLXhOZXFHWl8tV1VoY2NWZFRkRTQ4eWRTcTNycWhRTzhiaFJSWVppZ3F2Qw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30698 (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/42.json (key "30698", 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