# BANK OF ATLANTA
ATLANTA, GA · FDIC certificate 32362 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $186.1M | |
| Deposits | $148.5M | |
| Loans and leases | $126.4M | |
| Total equity | $25.7M | |
| Loans / deposits | 83.67% (p73 of band) | 71.36% |
| Liquid assets / assets | 26.78% (p34 of band) | |
| Uninsured deposits / deposits | 22.72% (p83 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.17% (p71 of band) | |
| FHLB advances / assets | 2.69% | |
| Tier 1 leverage | 11.62% (p66 of band) | 10.52% |
| Unrealized securities loss / equity | -0.15% (p34 of band) | 0.17% |
| AOCI / equity | 0.64% (p39 of band) | |
| ROA (annualized) | 0.46% (p26 of band) | 0.81% |
| Net interest margin | 3.53% (p43 of band) | 3.65% |
| Efficiency ratio | 90.50% (p84 of band) | |
| Noncurrent loans | 3.25% (p87 of band) | 0.86% |
| Net charge-offs (annualized) | 0.26% (p86 of band) | |
| Reserve coverage of noncurrent | 52.18% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 21.63% (p59 of band) | |
| Auto loans | $194,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, losing money, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | expense ratio p90, noncurrent p90 | wholesale funding >15% |
| 2011-12 | 3 |  | noncurrent p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | deposits shrinking |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 3 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  | wholesale funding >15%, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | charge-offs p90 |

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

- 2026-08-17 [FHLBank Atlanta and Georgia State Law Launch Heirs' Property Law Clinic - Georgia State University News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPR0U4TTJlVkp5UTktVEZHVDVWSmJfQ2d1OHNyR0ZRU2hmYmVKS09xd25jU0JZenl0UVpOd2NwbjdJbl83UXU0VHM4NnB2X29WLVd2U0FRbjBoazVpaWZoX1paeVh3LTJtSUJCRmhuYTNTWFZxV3d4VDRZZXpJOE1nX1YxUEVXUDRFZnBySHY2NmU5RWN6bUtNT1NoMXVGWGVrQ2h2ckF3?oc=5) · Georgia State University News
- 2026-09-01 [From 4-H to the Fed: How raising steers led to the central bank for this exec - AJC.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPYnlaSGpvbDBoZDduRVcyM3ZhZy0yTGtvYUF1cU81R0gzdmQ4a3RUb0diYUVXMTNvbVpuWlZyenIzT2F0VUYybTFTN045aElOdksyTXdzblBHaDBfTmdzU082RUZxU2FjTHpYdXItWWpGc0thNF82dnQ1Qzh5N2Z4MldIUjVvX0NmMWYtcndfYXZ3TFUtdnhuQW5iZ3VzSDlnc2RZVjZVT0VFYktNdDIxSg?oc=5) · AJC.com
- 2026-08-19 [New Georgia State law clinic tackles heirs' property obstacles in legacy neighborhoods - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeDhmYnNwZ2hRXzRRUjJhQXZ0aEdFaElXc1VYYk1XQTk5ekstbWVET2hNVU43THVTd1JEaWNYMjF5b3pUb0lreGZXcUw2bkM0WjNpM3FaTjdPUkkzWEItd1RjWmVyWmpDV042WG1RaGxwNVU5ZDlrOEVXMVpZVEFDMkZYRTNkTUFFZEpibFVDdjhENVZ4LW9raV9xNnhWZWRDbzd4THJQbw?oc=5) · The Business Journals
- 2026-07-15 [The Cost of Working: Childcare Affordability Analysis of Florida and Georgia - Atlanta - Federal Reserve Bank](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPaG1ZZER1ZG5jT3AxSlhaTHFWc1hDOXN1XzgzZ1dVdExqa1Y0aFZaXzEtdUVhdkZ1bHdfRG54bkVYN2lPMVlaM0RTRUFuVDl0Y0d0aHdBakRtR2MyWlhkb1VKZkw0RUdVTkc2eG5DQmlCbUhpWVlMYmV2VU4zZ2lNNGg3UUdhU2xGR1NNdklvdWRrNXV2cGdpaFp3SUJYTmdRT0NHZnpLMU5CRVhMOEYxWjkzVTFKMkE2YV9XUmZrbUNTZERud24yVHRQLWR0bG0ySHNDOWtqWTVMVnd4dXpuRGhmWll0NkFUZkNnLTZNWmVxdw?oc=5) · Atlanta - Federal Reserve Bank
- 2026-07-29 [Federal Home Loan Bank of Atlanta Announces Executive Leadership Changes - GlobeNewswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPS090a2hpYm5GQUVTWUY4LXRKUVFUMXpxTl9kWDYwY0tYUHh3Q1ZWZHJpLVVSbGtUTHBET3FHcjk3dDhDV3RSMXd6UGExMC1WX1FNaGptck5VTXJzcDVTRGt0UFlSVGt1VHJTRE1RZHJMSWItd3lrd2FrNWwxRlFhbFAxYlJBTTVYdUNXLW41dlZKcGpLTDNwY3JUYVJISjRLUG5jLXhzNkMtTXhFWGFoc3hmZ2VfQ0JqbC1WSlVuUlJUQ1FVT0dueTVfZ1NpMVY1UWJUSXJURUNva29oMzgycA?oc=5) · GlobeNewswire
- 2026-06-23 [Inside Kevin Warsh's selection process for the next Atlanta Fed president - CNBC](https://news.google.com/rss/articles/CBMifkFVX3lxTE1uZy02Z1pzNEFvRHhnVGlqcXVJeEV3SXUwT2VmRURPd0FNTV9PNzNZaUFmS1IzaUFCdUV1bmxNZWMxbnY5UFV5MFJDZDlKMVdmcjRJLXVWbDdTeUstZWNYdlhjV3pwQVdTbFNCcG5yRUNmOXVwLXFrSkY4R2xvQdIBgwFBVV95cUxOMGF6U25HWHVQVG9nZC1Fb1JDRTJpdlpaakZhMzNkYTVhTzU0X2cwbzRhYXN6ODBFUzkzUWladHl2MkM2SkZ1TGFyekxfUEVtSzNMbE40cHY5OWF6cW5oblhCdXdUeGhyZUwwbE9aaVdVblY5V3hfZklIMGxiTTNLZXJzMA?oc=5) · CNBC
- 2026-06-02 [The Federal Reserve Bank of Atlanta hosts national financial literacy competition for teens - WABE](https://news.google.com/rss/articles/CBMiswFBVV95cUxNVUx5aWYyRkZJVDA3X1hyNnRZbDJENFBtdjZjWUgxUjVNcFZub2hXMVkxT2Q1UUZVYUNqdjBLTXpPT0xhWHhyZE82M285c05IdFhNWW1FcndvakpDdV9zaWtQY2lPenBYNlJUc2FLWDBkckNUbFhVSUpmTnR6bWhSMU5tNFJ4TzNGSUlFQVZDaDR6Mnc3a3pic0FkelJyZUE4MGctRFBLclpiZzk3X2gyZV9pWQ?oc=5) · WABE
- 2026-07-15 [Federal Reserve advisor: Businesses say AI has had no impact on productivity, employment - thecurrentga.org](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPMUttSTB4QnBzYzBnM2RJdWhTYWs5RGlXMFdYeDFlNUtpSnU2U3hDd2N4NUVuMl94V3pnUWRFd19NTks0WjdaQnlhVm1RZHZEMzZBOEdKMDZBQlgwUVlDSFMwTWlmZjR1VURPUWlMMFFaOF9xejlyY0NienNoZzJoaHAyZTd1ZnR2dEF2ZnAyZWM5bFhVWUs2NnQ5djhNUFdoN2JWdS1XME9RUDJwUXNlVjdaZUhDNVkxMDlERml4UTI?oc=5) · thecurrentga.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32362 (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 "32362", 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