# QUANTUM NATIONAL BANK
SUWANEE, GA · FDIC certificate 34110 · asset band $300M-1B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $663.6M | |
| Deposits | $591.5M | |
| Loans and leases | $579.5M | |
| Total equity | $69.2M | |
| Loans / deposits | 96.97% (p88 of band) | 75.42% |
| Liquid assets / assets | 10.72% (p5 of band) | |
| Uninsured deposits / deposits | 46.42% (p91 of band) | 27.65% |
| Brokered deposits | 3.64% | |
| Wholesale funding | 3.64% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p64 of band) | 10.04% |
| Unrealized securities loss / equity | -1.52% (p94 of band) | -24.06% |
| AOCI / equity | -1.51% (p89 of band) | |
| ROA (annualized) | 3.04% (p99 of band) | 1.09% |
| Net interest margin | 4.95% (p97 of band) | 3.42% |
| Efficiency ratio | 40.90% (p4 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 94.80% (p75 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 63 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | liquid assets <10% |  |
| 2011-12 | 1 | reserve under noncurrent | liquid assets <10% |
| 2012-03 | 2 | liquid assets <10% |  |
| 2012-06 | 1 |  | liquid assets <10% |
| 2012-09 | 2 | liquid assets <10% |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 | charge-offs p90 | liquid assets <10% |
| 2014-09 | 2 | liquid assets <10% | reserve under noncurrent |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | capital falling | liquid assets <10% |
| 2016-09 | 1 | liquid assets <10% | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | liquid assets <10% |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | liquid assets <10% |  |
| 2018-03 | 0 |  | liquid assets <10% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2020-09 | 2 | wholesale funding >15% | liquid assets <10%, capital falling |
| 2020-12 | 2 | liquid assets <10% | wholesale funding >15% |
| 2021-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |

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

- 2022-07-25 [HomeTrust Bancshares, Inc. Announces Merger with Quantum Capital Corp. - GlobeNewswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOTTBxemQ2UDA3bFdlUHZZX3U0MDA0SE5TQUNLRlZ6czBnTXZFQ1VBRjVxMkxRT2xmTFZJLTdOcmgtMktDUlR1ZkdMY3dPU0dyOGpFNGZiek1PNVdIOUNPQzNPakp6NUQyLXRaa1lvZGY1TFhBS3Yzck9qT25yYnBNaDhJQzZ2WTNSLWhZVGdWQXFFUERuUUhkYjRnTHJLWEhnSW92Rk9nQ0FKb1h0ZUdBRF9aZ0JYeHJ1X1pCZzAzcDEzRnp2SE9GMFZqNmh0V3h2d3E0NGJranNEYkk?oc=5) · GlobeNewswire
- 2023-02-13 [HomeTrust Bancshares, Inc. Announces Completion of Merger with Quantum Capital Corp. - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPR05Mb1FFaHVlOW9XNlREcGJlTFA5czdZUnF5VXFMRDY1eXlGYzVQN2R4VVhtd3RlOGhmajFYQ1dyQWgzTWZmNWhnbWRaUURmeS1Xa1BaZTNrelhaNEhfSmhmOGhGcHBLN1RtRmZCR0VsZWlGcjBQNFg1M2Y5aEdMeTVjbXdGT0c1OEZraHRnRmtpb202ZHc?oc=5) · Yahoo Finance
- 2024-05-18 [Charlie Joel "Jody" Lail Jr. - View Obituary & Service Information - Flanigan Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE9HZ0NhVXhwM0dESnQ1WlhDWFZqTjVIMkkzdV9NTk85cjRKaGNzVXRVTGw0Yi0xMWtYSkZIZjlkOTI3N1FaeDNTMzZGelZKRmFJa1pSUlpTN0N3NmhuejY1M1gweHBkNjBZNVBpcm0ycw?oc=5) · Flanigan Funeral Home
- 2006-05-03 [Gary Eaton Obituary (2006) - Charleston - Post and Courier](https://news.google.com/rss/articles/CBMimgFBVV95cUxPT2I3MXVTdC1kTTB6MTBvNDJKQnZVNm1wQjRPOFd6VjZUOTV4MjNuRkY2ZzNpUXI1WGRpNVRPa1hDRTJGRVozNzdfZ21MYm1nNGxndjZGbzdldk9YWUZoeGtzYUNnNzd0U1NKS0hweUZtVDE4VzlKVlp6cWZUT3FGUl9td0U5Slk5V0ZMeDBZY3pwS1Z1Q0swTWxB?oc=5) · Post and Courier
- 2023-01-25 [City of Suwanee receives $100,000 donation for public art campaign - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2016-03-03 [Newell Edenfield Obituary - Atlanta, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSXdVVlpwYXJjY1Y3ekkzMjU2eHRwdWtQVV9vX01oa01uNzBTUXlFZ2dxcFY1Q1VMMDlIclpPeHdUY1dIX2J4cmxGckwyb2Vabk5qaDdoN2lIdFRUZXJFRERNMGpoRG9PWXVsdnVlYVI3bXh5MExPTWdpdGxTRzJqMDc4bTk?oc=5) · Dignity Memorial
- 2026-06-24 [Narender Reddy named to Georgia Transportation Efficiency Authority - The American Bazaar](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQaHdpWVJiMTVwNXRTQ241amVmdGdHTEdGaUpkSndCZzlQbmlUWmtndjFUTVF2V3hESVNuZF9FZ0JNVHhOWXl6djZVd1A3U29INWNMLVRIVjlST2djSThKajltVWpqcDRicENOcFVKckRPUjJYVV9BaFJ1bWhQUWJXZEUzakh1MTdDbThQTzBQTk8ta0VaVl80SllUbnVzdTk1LXFhdkFUSmlULWpWUm9aeG1UX2Q3LU9iREgw?oc=5) · The American Bazaar
- 2006-05-03 [Gary Eaton Obituary (2006) - Lexington, KY - Lexington Herald-Leader - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQck82ZE9ybjQwRjdDNkRWYVRxOW9vZmlDRU50eUFUaEtMb3pjLUFMa3RFUUZLdnRLbnpMNHg0ZjhsWV9jcTZvUnJjRC12eng5VEV0V3BFeTBrMnVKcWJwYVI2alJ2ZUFka25ub0N6NmMtTkhOdWQxMWRSOWpjSlVwUDJJS0ZsMF8wUHc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34110 (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/62.json (key "34110", 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