# FIRST TUSKEGEE BANK
TUSKEGEE, AL · FDIC certificate 33519 · asset band <$300M · latest filing 2014-12 · 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 | $52.3M | |
| Deposits | $47.1M | |
| Loans and leases | $27.8M | |
| Total equity | $4.2M | |
| Loans / deposits | 58.39% (p29 of band) | 71.50% |
| Liquid assets / assets | 34.16% (p51 of band) | |
| Uninsured deposits / deposits | 17.06% (p65 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p49 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 8.00% (p8 of band) | 10.45% |
| Unrealized securities loss / equity | -1.06% (p14 of band) | 0.49% |
| AOCI / equity | 4.78% (p77 of band) | |
| ROA (annualized) | -1.05% (p3 of band) | 0.81% |
| Net interest margin | 4.59% (p90 of band) | 3.66% |
| Efficiency ratio | 126.41% (p98 of band) | |
| Noncurrent loans | 6.80% (p97 of band) | 0.76% |
| Net charge-offs (annualized) | 0.21% (p80 of band) | |
| Reserve coverage of noncurrent | 19.45% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 62.70% (p86 of band) | |
| Auto loans | $233,000 (0.84% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.9% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 2 |  | losing money, expense ratio p90 |
| 2011-12 | 3 | losing money |  |
| 2012-03 | 3 | assets shrinking | losing money |
| 2012-06 | 4 | expense ratio p90 |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 6 | losing money, deposits shrinking |  |
| 2013-03 | 5 |  | assets shrinking |
| 2013-06 | 7 | capital falling, assets shrinking |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 4 |  | deposits shrinking, capital falling, assets shrinking |
| 2014-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 6 |  | charge-offs p90 |
| 2014-09 | 6 |  |  |
| 2014-12 | 7 | capital falling |  |

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

- 2015-03-16 [First Tuskegee Bank becomes Liberty Bank - Montgomery Advertiser](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaFV1X2NjRmJNR1NLQmdCOGdvQVhIOUZ1M0Etb3B2OS1ONUZpTjNXeW93bVhTY21iXzZnZmctaU1rUlUtb2ZHWHA0WktPZkhCMHBMWExwdV9za00td0VzZUc4MmljU0VnSWdDcVNwclJEaUlPc1NuZU5LRDg2MzZIRU5WYnpUUU5UNjdZN3FiV290YUEzRmNnT1JpZ0JqVG9feEIydjRfYw?oc=5) · Montgomery Advertiser
- 2015-03-16 [Liberty Bank Merges With First Tuskegee Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMie0FVX3lxTE1IbWxoUVdsT1hpdEVYRUFTRlZPdUVSYllPSUtXOUxoUV9qLWJaSmV2bzIzQjN0Q1JvZG5fTzRUbWlyQXN6X1pIM2dYR2dPOG1QQlZyaGpZaU9yX29ReGdXYmkwaHJVRTF1dXIzMEtKQWFreTBUZWFqaUVqQQ?oc=5) · Biz New Orleans
- 2015-03-13 [First Tuskegee Bank merges with New Orleans-based Liberty B&T - WSFA](https://news.google.com/rss/articles/CBMingFBVV95cUxNRGxpUGpLaUlFSmx3UG5fMVcwYkdTb09nNlRGYkVCaHdRaWtQR0gtT1R3cEd1QnBiMWloY2NTTDd5QktoaEZHQmR1NGI1LWZxVkdWaktfTUhDdjZxb2RyU2RrM25iRHpaR3RqcDVZY1htUUpCWGttTDJoVnJ4UEhRX1doTHBITzlZaFpzOHBMRWRGUVZqVUx2QmF3aXBXZ9IBsAFBVV95cUxOTG5Ncl9MbXFXWHlsU3pDUURLcUV5aGJLZlAxLWF0SGJjcmcyNkhwSEplWWVPbks1UGx5WkZ0RFMyRHRlaVRqZXBfRDdLcjFKS1ZFMEFBbXNhOVZwRE5TZEVDZ2VTRGZHZWFoYm1QWFB4bFFneHhaUnBjZXBNdkg2elpVVVFVa2xheW5ocERjcklOMi16ZndrNnZkTllhVGVHcGo3WFUydkVMNVRxbXhJNQ?oc=5) · WSFA
- 2015-03-15 [Black-owned Liberty Bank merges with First Tuskegee Bank - New Pittsburgh Courier](https://news.google.com/rss/articles/CBMiowFBVV95cUxNQTNxMVhTalo4ckM3YVV1MF9rLTNQa2RTTFFlY2hMWnloeklwUERWNk1zVGNVbWN0TkszRjVJZFVTd0lNZXZwQTkzMmxCVEJHSk91WU96MTBPT2NnY0xRNU1Ecm5YNVdTRTlsZWFfYVVqMXV1dlZPRGFKaFl6UmkyMTJ5UnF0S3JZS3l0NGNSUHBMdV9ZdkdwRVc3Qm1mczRWNTJv?oc=5) · New Pittsburgh Courier
- 2022-05-09 [Black-owned banks serving their communities - Business Alabama Magazine](https://news.google.com/rss/articles/CBMifEFVX3lxTFAyelZsbG5xeHNySkRlUjNzX3RMYzh4RFlkTEd2LWZuZjc4eWJYeG91a3ZicHR5WUVmNnNkTkZKRXhTeVJMWGpzX0dKREwtRm5FaENFa1B6ZmJTeFFMVF9pTmg2RHF0bW9WeXZaZFhycnhFTy14bzNRdUw0dEo?oc=5) · Business Alabama Magazine
- 2024-08-29 [NFL Boosts Loans to Minority Banks to Nearly $100M, Includes Liberty Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMinwFBVV95cUxNTUE3ZzNNUFdNajNQRnNQa2U2R0VaTGlnUWh4YXRLZE9PV2RQUlRPOEVnd3J0dURZdlhsSGZoNnVkbFdOSzVsZ1QxdloxRGlHWmpkZWxhMV83RmU3Vm5rMlZONmNVdFN1d29KSlRETTdIdkFXMXY3bkVraFJSUHhjbjRGRXVnS0NubUFLMl82MGZsaHM4MXRhTEpZYS1ya2s?oc=5) · Biz New Orleans
- 2023-04-13 [Why this Alabama venture investment platform is taking on Delaware - Technical.ly](https://news.google.com/rss/articles/CBMic0FVX3lxTE13WUF5ZVA2SEJuV3RXODRjVGxLd0hFQ3Y2MHIyMlR1SHl2OVdtcU14R2M1OHFZZlBPQWFTOGtEejBRR2pnYVBvMlIzVnh3UVBSMlBIdEJ6bDRXUHFhVkdxcnJNNU5tdzJjRUJxQVEtSS1OSW8?oc=5) · Technical.ly
- 2023-04-03 [BCA’s new president, CEO advocates for businesses in Alabama - Business Alabama Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTE5wSzl3bnZlNTh5dVFxeS1nMDRvakxoSnRCUTgyN2NXUElTWXZWMlFDdFRLUlVCSVFPajhXLVljVmw4akU3ZkJUMlptY2R0bVBnbkVKVUVpSlF6NUgxUUg3QUVpQzBSaV95XzFTcWhtaG9idE1Sby11Mlo1ZVlyS01YdHdOdnVWWkVZcUhaaU0?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33519 (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/47.json (key "33519", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide