# BANK47
HUNTSVILLE, AL · FDIC certificate 32968 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $97.0M | |
| Deposits | $87.7M | |
| Loans and leases | $65.1M | |
| Total equity | $8.3M | |
| Loans / deposits | 72.52% (p48 of band) | 73.59% |
| Liquid assets / assets | 31.08% (p47 of band) | |
| Uninsured deposits / deposits | 24.79% (p67 of band) | 19.81% |
| Brokered deposits | 2.54% | |
| Wholesale funding | 2.54% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.97% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -42.98% (p8 of band) | -6.57% |
| AOCI / equity | -0.82% (p32 of band) | |
| ROA (annualized) | -4.32% (p1 of band) | 1.17% |
| Net interest margin | 3.00% (p13 of band) | 3.93% |
| Efficiency ratio | 224.23% (p99 of band) | |
| Noncurrent loans | 0.18% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | -0.11% (p2 of band) | |
| Reserve coverage of noncurrent | 1367.83% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 40.12% (p73 of band) | |
| Auto loans | $1.4M (2.13% of loans; DQ 11.96%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 45.0% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

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

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

- 2025-06-05 [Bank47 Brings Concierge Banking To Downtown Huntsville - Huntsville Business Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOMkZocVM2bUl6NUhBWjBtaExTNUhHTmlBaVZNS2Q5WWVwMjdRbVlpbFl0dVpROXR3M19WcDhvZWVXWXZoX1JkZHUyOXdLTzFfeEluSW5WWGFYT1VydmdNM09oUERPbVZxbjNGaG9jbjFTS3ViVFl2bmxCb2NqcFRFR1FKSEVNcXRLUGtCMjlvQ1B0QmtHV2ZKcUplcS1ndW5qZzdJZnkwU3phUGVpYmc?oc=5) · Huntsville Business Journal
- 2025-02-21 [Bank47 Expands to Huntsville with a new brand and concierge banking - PR Newswire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWWNPVXpZUmxhMXBFLXY5SGhvdWN6VzlqQjJjVXNCTXlaSk80ZnIwaFFGV19jTGh3VXN0czBfWmpuQTRTWEEwTC1mcnBfbEV6dWVXYkF6dHNKZ3VEZk42ZXUtQnRZZzM0dEpqU2FldUVKalJyRlZtd0R3SXE0OEpnRUNyUUZYelZqeGpmckRmdXZ4dUxNWWlBT0NHN0FVaFhoNGtYSlUzZEl0Y3hPZ0UzdEtUZWVKMDYzOUl4c1lhWVA?oc=5) · PR Newswire
- 2025-02-25 [Concierge bank making moves in Alabama - The Business Journals](https://news.google.com/rss/articles/CBMifEFVX3lxTE1VYlRONGtGNVNyM2dRUXdSazZRSzk5Ykpud25PU2Q2T1RSelNPSGZNMndRSmJaeGU0SE1oUEYyZTF2ZEZLSERCajN4eW5NLWhxQ0FnRFFZWlpkVzNqdHVFRXN4c0Nzc0tDbS1WTjRSb2ZKMjBCeTJSQzd0ZHE?oc=5) · The Business Journals
- 2025-04-16 [Here are 5 new banks that have entered the Huntsville market - Hville Blast](https://news.google.com/rss/articles/CBMie0FVX3lxTFBJU21Zd2ZHUHNQb3hzN19KUXVLcnZzZnNNZWI4Yl8yR3MxVFNJMkxMWEFfNS1MUTZCbnlBUlBnQ3BzejNBUkRXb09IbjUyR0lRZWlQWnJMSkFoTXJaaXczVUttUDFlbjZsNERTaUtpNktTSExRU2cwWndxbw?oc=5) · Hville Blast
- 2025-05-22 [Bank47 Invites The Public To A Ribbon-cutting Ceremony For New Huntsville Headquarters - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPTG1TYzVoUVVZSjREamJSdy1YWnBuYzN2Y2JSSDdNeThROXQ5ZVBkTzZ4Z1JLdDAwTlZvbDhPVlZyOEVCSy1hQmFsdGpJNzU1Ni1QOXZpNFR2Y2h3TS1ZcG54WkEyX1ZTX1FXVExjNHdoZkk5WlZYbktvMVozVUdVVkRxZ1pnX21iZGRvVHlWZzBLQmZ5WnRienRSMjJUUFdUQmdkRUliLVZycVJjQkI3OXBiS1NreG9kU1NIQmdLT1E?oc=5) · Huntsville Business Journal
- 2025-02-24 [Bank47 Expands To Huntsville With A New Brand - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPc1RuTW0wanF5SllxTlM0a1NzMUZKWjZaaHVMUUtVWVlsOFpoa1Ffb1VKVFA0M0J2Ujl6SG9VSmFJclhLMnhGS21DamtqUzZhV2tZZmppU2lCNlUtRThwT1NsUnBmR2MydEY0MEtNdVlSVU43Q29sVVpPcjYtNmx1aHNXWkNKeHUtTnVvRkJMQ3JJUFZHRVhERHVlOEotbUtOX2c?oc=5) · Huntsville Business Journal
- 2025-07-21 [Technology’s new role in small business funding + more Huntsville business news - Hville Blast](https://news.google.com/rss/articles/CBMifkFVX3lxTE1BTVNjYTZtbjNOakxCYnZDTTZDUDJjWC1WLXNiNUtNWld1RUxVNmdZMjBVZUVIMGdyanVCUkc0eVNudDRYdTRYYmFEUUdwMFM0Um4td1hwWFZldEx3d2NQWDdZbmlnV3lGdUhCM1d4UDFRT3paUE4wNjBXUU9qZw?oc=5) · Hville Blast
- 2026-05-18 [Bank47 Promotes Julia Gutierrez To Senior Vice President - Huntsville Business Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxOMWFMZ3RkLXZsdzBXUTBoeWQ4MjlkOWtLelpwY2JkU3Y2OS1EeUowRjcyWEEzZVdVdldXYktSbmo3c1N2STdqdGkwU05qaHZSVWQ0Mk9wSEdLbG54eFI4cGIxMFQzRERycjY1VDdRR016b0ViR3UyV1czUmU1ckpWTjZJNDBXbFdDdWMxNjZxM2JCUDkyOEUzZVpIRG04N1FvbWkyTmUycU8tLUtTVmgtMA?oc=5) · Huntsville Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32968 (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 "32968", 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