# ENTEGRA BANK
FRANKLIN, NC · FDIC certificate 31445 · asset band $1-10B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.70B | |
| Deposits | $1.28B | |
| Loans and leases | $1.09B | |
| Total equity | $192.5M | |
| Loans / deposits | 83.72% (p34 of band) | 89.84% |
| Liquid assets / assets | 29.41% (p78 of band) | |
| Uninsured deposits / deposits | 26.91% (p48 of band) | 27.30% |
| Brokered deposits | 3.98% | |
| Wholesale funding | 16.34% (p83 of band) | |
| FHLB advances / assets | 12.07% | |
| Tier 1 leverage | 9.71% (p31 of band) | 10.38% |
| Unrealized securities loss / equity | 0.70% (p44 of band) | 0.89% |
| AOCI / equity | 5.15% (p90 of band) | |
| ROA (annualized) | 0.85% (p21 of band) | 1.20% |
| Net interest margin | 3.16% (p23 of band) | 3.64% |
| Efficiency ratio | 69.15% (p76 of band) | |
| Noncurrent loans | 0.39% (p39 of band) | 0.50% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 288.27% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 85.07% (p87 of band) | |
| Auto loans | $2.7M (0.25% of loans; DQ 1.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 243 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | leverage <7% |  |
| 2011-09 | 9 | capital falling | brokered >10% |
| 2011-12 | 7 |  | wholesale funding >15%, noncurrent p90 |
| 2012-03 | 7 | deposits shrinking, assets shrinking | losing money, capital falling |
| 2012-06 | 6 |  | expense ratio p90 |
| 2012-09 | 7 | uninsured deposits leaving |  |
| 2012-12 | 5 |  | leverage <7%, uninsured deposits leaving |
| 2013-03 | 4 |  | charge-offs p90 |
| 2013-06 | 3 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2013-09 | 2 |  | assets shrinking |
| 2013-12 | 4 | losing money, reserve under noncurrent |  |
| 2014-03 | 2 |  | losing money, reserve under noncurrent |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 2 |  | construction >100% equity |
| 2014-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2015-03 | 1 |  | noncurrent p90 |
| 2015-06 | 2 | expense ratio p90 |  |
| 2015-09 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2015-12 | 3 | wholesale funding >15%, capital falling, expense ratio p90 |  |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2016-09 | 2 |  | expense ratio p90, reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |

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

- 2019-05-09 [Hunton Andrews Kurth Leads Entegra Financial’s Merger with First Citizens Bank - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVmNtSnBuTHJ2VkNIbmMyYk5tSXFXWXFGT01qc1NIMnZZR2dXTC1Ic2R5RGl2aEtPaWFUeTJyOG5OS1ZacWFocVp2cTNyTG1TaGtBUHZ1RUJpcTBJZTdMT1dWekoxaXNBOHlVWHJtTHc5WWdORkgxN3phMTlUUG5wVWRsWEgxRkU4RGsxQ1loSUdoMTNlRU44ZkkzUWE4VkxuY2dPejlwR3U?oc=5) · Hunton Andrews Kurth LLP
- 2020-01-02 [Entegra Bank Sale To First Citizens Bank Is Now Official - Blue Ridge Public Radio](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWlNDTlV5R2VoTHVlS2Y0eDhWT1cyekNuR2sxT3MxSWZBYjZlREtIR3hiYmx1UjdIakNWTXgwSUVQbnNJc1ZZang5VjNJMzYzNnQ0OE4xWUQ4LWhTRm9wOFdrcTBzYjdTVk5ZV0k3QkxoNDFTMVJGUFdKOVFVeHJXVHBxR0FTeFlsbzY1Wms2Q0tVRzgydWVz?oc=5) · Blue Ridge Public Radio
- 2019-03-04 [SmartBank CEO Billy Carroll on upcoming merger - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMivgFBVV95cUxQUFN5TGhRZHUxNXRRSTVqMzZJTEVVYnYxVlcyWkJIQmhfQURyQ25DSXViOUR4Y0Z3T1gwcTVKUkdualJjdG5fQy1ncHZFM2lYUmxzUURXeWFmZ3lSNi1nYlF2aDg0UG5fanl4ZmFHVC14N1NtZTJ5alhyTWc4endIaG1SR1habkM3ejFRSmlVS1Q1WTJIWDBRSk94em05eGV1SUQtakhrYmxMb0o3ZG52OUhCWlNvMENjTzdwMGZn?oc=5) · Knoxville News Sentinel
- 2017-02-20 [Waynesville police arrest 70-year-old suspect in Entegra Bank robbery - WLOS](https://news.google.com/rss/articles/CBMingFBVV95cUxPVkdHOC1LZEpwcFJ1ZWlycUZ4UnpKODNqcUw4b3NtS2pwd2JxaFRVY0tDLXBxeXVVRElyaVY4UzVadFg2em9mT2UwZWFjM2g3b3R3SU1IV0MzTzlTVDBtX0Jfd0pVMDlFTkVVUm5pRktWVDNtZmFqODdaR3poeVFQWERSM3prSnlFRTlubkpsM0gtdlV2NmpySkNlNHZwZw?oc=5) · WLOS
- 2017-10-02 [Entegra Financial Corp. Completes Acquisition of Chattahoochee Bank of Georgia - GlobeNewswire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNQzREZnpDOGpOOE5kX25mU2gzUUV0UE1ZYjFkVlhFUWxLeGhPWnZ0TEZxWWRBakd5TmNhTW1DeHRQSDluY3VVZ0NHVHZKMFRnZ25WVzMwUGxfak5Pa3ZjeGt0YlBtWlJFRFNtOTVvcjI5c09McU9UNkVWRUJHLVJFNGpaQ2dWRm1WcU84RUFrZV82eUVXcW1EZW5NUE9SRTdtYUVOdjRaOTRtek5HM3NlXzFDRFJYRENIQUo1QkZYejU2QWtMOUlyZWhzNFdrbGhuMWdMeUpERGZvRnFKeGZFUXhMRQ?oc=5) · GlobeNewswire
- 2019-12-31 [Hunton Andrews Kurth Represents Entegra Financial Corp. in Merger with First Citizens BancShares, Inc. - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMixgFBVV95cUxPb0RpdjVpUEFrVklrZkw0MXVJaWVtOU80YU5KMUNvNDlDVkVnV21OMlZmRnNCOXFVODE0NDhJZXRzN0ZYczdHN2FZeHVUUlF2WGFNelJNQWVjTXNkTndIRF9UamVvSkNlZTB4VlBYOWNzYi1uR1JoWUlNeGhQRVFmVXRlSVZiNW85S2ZueDQ4NlBPbXExcXhkN1NRWUtrWnJnLXNhb2hrWnFnbFhMdnBnVTVyckgzc3ZNMVp6LWo5RXhPMWttd0E?oc=5) · Hunton Andrews Kurth LLP
- 2019-03-04 [Pigeon Forge-based SmartBank planning merger - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiywFBVV95cUxPRmpDcmtibWFGQllTWFNjblhSaGhnTFdRTERvZ2hwWlVJeVFIVEZJTlZ3OWhNOE9YV09NaUxsNWlvb2NSVmNydVk3YU9ydFR6d1JoSjdVREMwU0ZFZmpKSkd1LXcwWTczUlBNUG05RklOSkl2M0t3LXNwODlha0tncURfcVhwVl9ackVrb2Q2dS11OVpiZVp3NWptaURpb1pGVVhzNUppaWFlajdPTWpXZ2dVYzFZUnZ5M0dycEpMaVY5eWdUdVRReGFzUQ?oc=5) · Knoxville News Sentinel
- 2024-09-24 [Karen Sneed Obituary (1970 - 2024) - Murphy, NC - Cherokee Scout - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQ3ExT0RxdXJkVHBrckhMakNjOWF3STh2WWlqbkRCYUlDOTFOTTdocXhOWTN6VkRhSXVzVlVvMDYtUVhwZTlWSmc4VjJ6UEtjeUlaY1pvOFVWUDdhWHVEQzJPVHg2cFAtTlRJek9BX19rS0VXck9XNGlaNTZ6QU9aU2Jsb05CQmpSQXdMTlVUQ3lXdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31445 (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 "31445", 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