# BANK OF NORTH CAROLINA
THOMASVILLE, NC · FDIC certificate 33527 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $7.57B | |
| Deposits | $6.33B | |
| Loans and leases | $5.64B | |
| Total equity | $1.01B | |
| Loans / deposits | 88.49% (p52 of band) | 87.83% |
| Liquid assets / assets | 15.71% (p26 of band) | |
| Uninsured deposits / deposits | 25.96% (p51 of band) | 25.51% |
| Brokered deposits | 18.77% | |
| Wholesale funding | 21.04% (p86 of band) | |
| FHLB advances / assets | 1.41% | |
| Tier 1 leverage | 10.37% (p63 of band) | 9.88% |
| Unrealized securities loss / equity | 0.10% (p78 of band) | -0.51% |
| AOCI / equity | 0.16% (p46 of band) | |
| ROA (annualized) | 0.96% (p49 of band) | 0.97% |
| Net interest margin | 3.71% (p69 of band) | 3.44% |
| Efficiency ratio | 60.69% (p40 of band) | |
| Noncurrent loans | 0.33% (p27 of band) | 0.56% |
| Net charge-offs (annualized) | -0.03% (p9 of band) | |
| Reserve coverage of noncurrent | 209.62% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 75.63% (p82 of band) | |
| Auto loans | $4.6M (0.08% of loans; DQ 0.07%, NCO 0.00%) | |
| Loans to nondepository financials | $2.2M (0% of equity) (p75 of band) | |
| Deposits YoY | 32.4% | |
| Employees | 1032 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 4 | charge-offs p90 | construction >100% equity, capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | uninsured deposits leaving |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 |  | uninsured deposits leaving |
| 2013-12 | 5 | capital falling |  |
| 2014-03 | 4 |  | capital falling |
| 2014-06 | 4 |  |  |
| 2014-09 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |

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

- 2026-07-08 [Period poverty in NC schools: The Diaper Bank is stepping in to help - North Carolina Health News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbEViR2RxX2NDVFB1VjNYRGN1MFZPZ0NTTFc1LTAwR2ZHT1U2ajR4Z1pzLW90UkJHY0hreEUtM2c2TzY5YTI5aTBURTRwVEMzek5UTEp6YWJpRGRlNmpQT1JrakV0WXBYVlZZcGY5b1RNNFlXYUFhdFdxcWhaWEpybXF3RXIxQ20zUktyLTdzenFsWUc0TnBkSzl6TWxxN3NXN0piZlN6UHFWQQ?oc=5) · North Carolina Health News
- 2026-03-25 [North Carolina food banks increase support as TSA agents work without pay - NC Newsline](https://news.google.com/rss/articles/CBMirAFBVV95cUxNYmR2ZEVPZXB1VkFKb0xsbDk2UWNrLUJPQ2JKRHhtZzluWEFla21MRUl0TXNrSEtZa29hb0xNUy1vVjFON0ZQLXFhRVRUME9ESDVsS1VWY2c4LWJySzdtaG5LVkFKazhucWY2V0hScnZEWU9CYlZnREo5R2NjWndHcEJHUWRLRko1SGtYX194OWZBQzFSb3BsRmd4TmV0M29YYnltMnJJLUQzajAt?oc=5) · NC Newsline
- 2026-07-10 [Period poverty in NC schools: The Diaper Bank is stepping in to help - WFAE](https://news.google.com/rss/articles/CBMirgFBVV95cUxNNVVLWUZicjl2R1pNZE04Q1U1UzQwUHNsb0JXNUhsZ1FWQ1hGcGxyaTc1SG1oQWxPWmowVkhGdk9MOS1aRXE3d1VyblpPZUVWUnBLaWhtRndDWWxDM1JacDA4V25PNGdXVkp1d3kzSU1qTk5DMUtSM3g0Y0YtWVU4Q1dUaGFyQ0N0ZTF4OWhHT1VKSk1VLUVpbHdMaFRQQ19GYWdoLTdvdElnYTBCWEE?oc=5) · WFAE
- 2025-11-06 [Durham-based Diaper Bank sees huge surge in requests amid federal government shutdown - WUNC News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOcHNkY3hWemYyMFNiMERkSlA5cy1WOGQ3VkdMa0l6OW84TFBnRFF0RHppS2hXanhNQzE4cDFCWjQ4Ukt2bm9vTFFkeFJlbC1PaVFYT3p1aWNVZUxxY2dtX0tsRVVPQllCazlXVXBKempZRkF5ZzBiMXBlWHZKTnJ4TmxQTkk4NUcxSTFJQ1hsMzg0czI3a2Zac3lR?oc=5) · WUNC News
- 2026-02-14 [Joyce Howell Obituary Feb 14, 2026 - Davidson Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE8zNnliMEZwclpQN25CNHFtTkR4anRsa0pIMUFvLW5oZ1p5R1ZKaFloZnRMeVBkbC00UXB1U3oxOUFYbEhacjJIa0xfYXJwUGhJc2xVbGxPR2ZZUTBwSGdPVFo3MTl4VDF3R3kw?oc=5) · Davidson Funeral Home
- 2025-10-21 [Second Harvest Food Bank doubles meal distribution amid government shutdown impacts - WXLV](https://news.google.com/rss/articles/CBMisgFBVV95cUxOYW5pbExZcU9jM3NSTTNVa09oc2EwSk56UWZKZThaR3hLZDg5YlpXZEUwSDZBRGpPQ0x3YmJaSF81Rk1tMG9OWWtnXzczZHB6QU11d29NeGhpWFZQMDB0TVY2X0VJdVo4R09vV3E1blZWa2NreGVoeTVoemp3Q2VXZmxhWk5xd25RSVMtRVV0eVgwTnRMRlRoRkNQRVY4TVlPMVRHblRveFZmUDgySVplak9B?oc=5) · WXLV
- 2025-09-10 [Bank HQs dwindle in North Carolina as consolidation heats up - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxNNzJ6SnZ5WFJ6TFRSeXFnSjVPMFBVcXcyVDJvQ0ZvMDRoWDhOdFdBZjhwQm1xUnJueWNXa2lYVUJzLUhmOTBXMm9kLVJnUGhHMGVORVRpbUxLOU9LZEs3SXlkMzFwRG52TzBncjhmck43b0ttbWR0UVhwampNUi1sazJnN1BlOURCWlFrU3dkWFRYMWxfX0YyS25fUmtqdjFBZ3pGNjQwX05hNTQ1?oc=5) · The Business Journals
- 2021-07-12 [Four Advisors and a Financial Specialist Expand Pinnacle's Raleigh Glenwood Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMitwFBVV95cUxPdmoyUXpSQWU0MkVZRXB6TlhadUFuQXZVNFQzeEJoVkFCUElieU53SlQxX0tZa1NvR291dVBmRFE3QjVUSkxNNExLRHI3cGFQMHhIVDFJZVZFREZXZ2pfSjFUSFRZZGVIdFFTZC14bVFBZjhQYlNzYmhMc19wNFNuMXRoNENDR2QtMkJwU29qZGxOQXRtMFRjR3hEMUViSUZiYkJOY0NwTjBCc2RsNVlSWE9GQVdGVGc?oc=5) · Pinnacle Financial Partners

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33527 (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/55.json (key "33527", 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