# CENTRAL BANK
SAVANNAH, TN · FDIC certificate 31545 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $160.2M | |
| Deposits | $141.1M | |
| Loans and leases | $115.2M | |
| Total equity | $17.5M | |
| Loans / deposits | 80.83% (p64 of band) | 73.59% |
| Liquid assets / assets | 23.27% (p29 of band) | |
| Uninsured deposits / deposits | 14.98% (p31 of band) | 19.81% |
| Brokered deposits | 3.12% | |
| Wholesale funding | 3.12% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.95% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -16.04% (p29 of band) | -6.57% |
| AOCI / equity | -0.52% (p43 of band) | |
| ROA (annualized) | 0.75% (p27 of band) | 1.17% |
| Net interest margin | 4.23% (p65 of band) | 3.93% |
| Efficiency ratio | 69.18% (p58 of band) | |
| Noncurrent loans | 0.00% (p23 of band) | 0.36% |
| Net charge-offs (annualized) | 0.45% (p97 of band) | |
| Reserve coverage of noncurrent | 115400.00% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 77.50% (p89 of band) | |
| Auto loans | $1.7M (1.51% of loans; DQ 0.40%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 4 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 2 |  | losing money, charge-offs p90 |
| 2012-06 | 7 | leverage <7%, losing money, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2012-09 | 6 |  | deposits shrinking |
| 2012-12 | 9 | leverage <5%, deposits shrinking |  |
| 2013-03 | 7 |  | losing money, expense ratio p90 |
| 2013-06 | 9 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-09 | 8 |  | reserve under noncurrent |
| 2013-12 | 7 | losing money | leverage <5% |
| 2014-03 | 8 | noncurrent p90, reserve under noncurrent | losing money |
| 2014-06 | 7 |  | uninsured deposits leaving |
| 2014-09 | 6 |  | construction >100% equity |
| 2014-12 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | leverage <7% |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 1 |  | assets shrinking, deposits shrinking |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | deposits shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | construction >100% equity |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | charge-offs p90 |  |

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

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- 2026-04-22 [Reserve Bank of India studies AI risks from Anthropic Mythos - Gulf Business](https://news.google.com/rss/articles/CBMitgFBVV95cUxPTUFoMzhhdjlwWnk0NGdXOWpESWJ1WnVteE5VQUZZY2tQSzBjeGhZRTdfVU5GZTdFS043dXJseHd6XzVpVUp0WWtPUDFVUGdoT2ZEcVBsc19MeDdlUWtvZTMtUWdYd3NPamI4d2JOcVJDRl9YRXY4b0lCbXpzNU9MUGpMNUt6YUpXaFZxc3JLTHNjc3NQR1NneUdFWjdaY1NhMFIteGt4czBwUjlvSXVtUVRSb3lCZw?oc=5) · Gulf Business
- 2026-06-07 [China's central bank extends gold-buying streak to 19th straight month - news.cgtn.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQRUFNYVNvdlMzb3BUQmtYWVNFTzR1NWlYNGMzejJnTjRicVFxVEhRRmh6WXU1QmZVWEJQODRtbnplOGFsbXRyeFlXTE4xLS0xWm9JUy1pRXFPMHphSzZkUDFnS1ZMbUpad2Z4RGRCbWE4SmRYaFRkYVRBbHpCM1JnNXN3WE9kNmNqMEt1bDlBY1lKMjVueC0waFVxRy1zUUYtRTY3VDMtbnVBVk1HODhybk1KVWJzVzZNSGFNZFVHM3lPLUdVQUE?oc=5) · news.cgtn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31545 (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/57.json (key "31545", 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