# GREATER COMMUNITY BANK
ROME, GA · FDIC certificate 34138 · asset band $300M-1B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $322.3M | |
| Deposits | $266.9M | |
| Loans and leases | $239.8M | |
| Total equity | $23.1M | |
| Loans / deposits | 88.04% (p67 of band) | 79.68% |
| Liquid assets / assets | 22.63% (p40 of band) | |
| Uninsured deposits / deposits | 26.36% (p56 of band) | 24.93% |
| Brokered deposits | 3.15% | |
| Wholesale funding | 12.45% (p76 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.83% (p2 of band) | 10.32% |
| Unrealized securities loss / equity | -14.53% (p68 of band) | -27.41% |
| AOCI / equity | 0.62% (p92 of band) | |
| ROA (annualized) | -1.04% (p1 of band) | 1.05% |
| Net interest margin | 4.42% (p88 of band) | 3.46% |
| Efficiency ratio | 106.37% (p98 of band) | |
| Noncurrent loans | 0.39% (p62 of band) | 0.25% |
| Net charge-offs (annualized) | 0.06% (p85 of band) | |
| Reserve coverage of noncurrent | 510.72% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 78.11% (p66 of band) | |
| Auto loans | $1.8M (0.76% of loans; DQ 3.84%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | charge-offs p90 |
| 2012-03 | 3 | expense ratio p90, uninsured deposits leaving | wholesale funding >15%, losing money |
| 2012-06 | 2 | charge-offs p90 | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 7 | losing money, expense ratio p90, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 4 |  | charge-offs p90, losing money, expense ratio p90 |
| 2013-06 | 5 | charge-offs p90 |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 6 | expense ratio p90 |  |
| 2014-03 | 2 |  | noncurrent p90, assets shrinking, charge-offs p90, expense ratio p90 |
| 2014-06 | 2 | capital falling | deposits shrinking |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | loans exceed deposits |  |
| 2019-03 | 0 |  | loans exceed deposits |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 0 |  | charge-offs p90, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 4 | losing money, expense ratio p90, deposits shrinking, uninsured deposits leaving | charge-offs p90 |

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

- 2022-12-19 [Late surge in credit union-bank tie-ups pushes 2022 past 2021 - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxNTU5PdWJueWc4bXJBb0hicWZRcl92M2k5ZzB1MUdKWHJaSTU1VzV3WGhKcjI3ZE54UHQ1OV84a0RpVkwtbWlGN3psbk5JaHVPQWJWWUJ4TDRQdTRPRTh0bDFhM2JxSTAzS3ZhN25GOVNxSzlPQmhQX29GWWxtV2EtRmZDQ3hvaUFZc2E3QzFFS29HM05EY3RURFNSNExPRXJoZk9WMEtSaHd2SklGOVFWaVoybG5PZw?oc=5) · Banking Dive
- 2022-12-16 [Credit union-buying-bank deals heat up as 2022 comes to a close - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxPYS1KQnhLU1U4M0x1VndzU1NHNnhEbFA3NDB5TE1FUHprb0RsRklhajZmd2pjek0zM2FiVnJfWlhpTWdTT3h0OWtUX0QzT1ZPUXZ5eVZRUGtvLUNvSHFWcEJaOWJwRjdkZXBtMnptYU9OaGtsbVZUZEJZNXRmcGhaLWpZUWJYRGhGMXR6WG85bjFtSkduNUt6eXBTRVdEcU53aU5ya281c2xaLUdSRnNWOVZ3?oc=5) · American Banker
- 2023-09-29 [Two Greater Community Bank executives step down ahead of merger - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOSjEtTmlWSVRnZ1QxMURSMkF1eFE4MWhNYXVTdGFBc19TT2VYOGZYeTdSbTA0aHRhRUthQ2prXzRiUkM1elpIXzhCdjVkWjgtQ3l5UTBHcEUxaHI0ZkhwN0RsRUh3TlJTRFkxNGctN2d4cWEtREQxTkppUWdDM0VnTmQ5WGsySURHak1GWVUtZ1BJcjZiejN6ejZDNVNWdHFPX25IQXBqUk1WM0VGcE9SVzdVVXo5eHdSNzN5Q29pVmdIdWN2Rm8xS1RzQS16VHhGeTI1Wk03TjNLRVZfZVpDakF5OEVXTDNTbFdnbEd0MzVlZGJ3aVdqSENB?oc=5) · The Rome News-Tribune
- 2022-12-16 [Greater Community Bank to be purchased by LGE Community Credit Union - The Rome News-Tribune](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPVmxBeGZCbGhRdlNOT0hxb3ptUFNYYmJWSVFfOGVJLVc4UkVsME1YS0ltd1hHWVZiUzMxbGpwdzg5eHdHYmFlcWloM2xMdXhwc0Y2VVVjZF93SFV6YnJ4ZE8zVjd6eU5sZi1RTXBTUnZ1cmUyd1V3OW5JcVlKQkpMb3FjdmdHSnJMdjBjUGlzZDFJd3B4cWNSemt0aHkyYXRKNmNTVzFSYVYwVUxiWTRkcU9PdVBQN3U5bnBVaHlIYnBwakRiUzdFNGFEVkRyM3JjNlU0eDhfZ2U0NEZJYTd1d05Nc1pyUHVIdk5UaVVFZjh4ZFJVMndNSDBWYkRaNUtKZ0czQ0F4aHFPaG8?oc=5) · The Rome News-Tribune
- 2020-05-23 [Daniel Simpson named vice president of Greater Community Bank - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPa01FTndObVJzMEVLa3JKU2VWZjVVSzFoM2lYeE82RUZrY21Sd2IyNEdaZUNncDhNUXh1bDNONG94RWh0bVFYQVgyd0lTY1hsRHAzR3hRWnBuOFZTSnRwQnVUZmpJTlNUbWk2dDMzV1VCaTBBMWlMY2t0eUlHamdRZ0hqZHQ5MjNlbGVwdVh0YmRJTlZBV0tWQjEzX2Y1amdlUlJ4LS1BYzQ1TkZjMW9Vb3BkQWVkRDJjUmpZNW1lM0p5NE5TQndvUm9mZWNQdzE2NUhkNVJTeHIycGM2bXd6N0szNnNVc3pOY3hvRUZ1cmRmV2JE?oc=5) · The Rome News-Tribune
- 2022-01-21 [Greater Community Bank names Amanda Billings as HR manager - The Rome News-Tribune](https://news.google.com/rss/articles/CBMijAJBVV95cUxQekFNVkxUTDZtNThLdnhOcEN3M0hTZEYwaFlPTE4tYzNfeWl6SzZuWnlJcUk1WjNZamVIVEJ2OW15U2NNamV4eWhUWEhQTVdjcU1ZeUJDZnZfMXBOc1ZKX3BaN3VqZE1KTkZFR1dyVFJKS1JFUDFtUUFHMk5rUFlUZF9VVlRCb0NFQXJJYWhsZWk5Q3BzOFdXUFptZlZwbmJveXpzSXFCOVFqdkV2MERMRVpNbWxRTWxfSkhENjBlZ0RqNDBnMjQ4WFNXMk5kdXBtVEt5aWZpd1BobmdDTUZscTZWdWQtSTV1OVB2LTlJeVFiSE1XYWxubTdKSXEycHlzR3hQaURMQk1IRk5h?oc=5) · The Rome News-Tribune
- 2020-08-04 [Brooks Mathis returns to Rome as director of marketing at Greater Community Bank. Aundi Lesley named Rome’s Downtown Development director. Alicia Durden joins River City Bank as chief operations officer. - The Rome News-Tribune](https://news.google.com/rss/articles/CBMiuAJBVV95cUxNUDNzQldGV25JcUlJSnVGS0o4OG5KaVJPd0R1RXl1SVJWWWgwQktseW1mNEtBcnluY3AxaEp0dVFQSzU1ZkFMUUdGcDRyRjhpNEUtRzExY1F3c1lkaWpVYVp1T0Fja2FXVjNOODBzOWFkekJjYTJPSWJiMmlDNmFUaHFaZlFsLWlBdXJvWEtseG02b1NCNk5VdkU1Y1B6d2JnM2NYdC03T19WQWxZR2R1VjBCeEw1ME5CVjlYd1J1d3lndGQ1eDN0WjhFRGROWVBaMkhZTURPaVRLNVpBbmJIaVpUVU40UmNoaGZ0Y2dGMWRiOENQb2pHalhVTzJ3and3ZUljU0FkaWRrMnVtRVctNzZ6QnA0ZTltZEdxU2ZyT1VqSHVNdmtGSTRoanV6TEVrUk1FRVh0VXY?oc=5) · The Rome News-Tribune
- 2021-12-02 [Greater Community Bank welcomes back Dwight Stout - The Rome News-Tribune](https://news.google.com/rss/articles/CBMigAJBVV95cUxNWURhWGQzS05xN2ZUNXpuVlJVOVgyMUJ0XzNNMWkwTGc5dHpHTHdPZlBuUlFUcDZRVnBLamFRVV9MUHZSeGctRkMyejBXa2g2clQyaWhmVDFqTkI1M1BhVTk0RXFfZjhSQWRnT2N2Q0R2RFNKcVZkYnRzVDU1VjB0Zm5Ia2dxUHRrNWR6UFhKWmIzaE1TWDZWd1dkTlltNzE5RndSenhOcUpsWVlqR1NkRWczRkdNOF9feklHQzhkVkhad2N2Mk4zWEdDRG93b3p5OHY0UVh0bmVlS0swWC1QZ3lHNE1fQzFadlNYSzc3M0paYy1wdG1wWmo3YXpyTEM5?oc=5) · The Rome News-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34138 (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/26.json (key "34138", 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