# DECATUR FIRST BANK
DECATUR, GA · FDIC certificate 34392 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $184.8M | |
| Deposits | $172.0M | |
| Loans and leases | $95.8M | |
| Total equity | $1.6M | |
| Loans / deposits | 53.90% (p20 of band) | 71.39% |
| Liquid assets / assets | 37.00% (p59 of band) | |
| Uninsured deposits / deposits | 4.32% (p26 of band) | 8.02% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 5.53% (p66 of band) | |
| FHLB advances / assets | 5.41% | |
| Tier 1 leverage | 0.48% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | 71.85% (p97 of band) | 3.72% |
| AOCI / equity | 92.62% (p100 of band) | |
| ROA (annualized) | -3.55% (p2 of band) | 0.72% |
| Net interest margin | 2.86% (p9 of band) | 3.86% |
| Efficiency ratio | 206.76% (p99 of band) | |
| Noncurrent loans | 7.65% (p93 of band) | 1.48% |
| Net charge-offs (annualized) | 1.82% (p96 of band) | |
| Reserve coverage of noncurrent | 41.62% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 1352.14% (p100 of band) | |
| Auto loans | $436,000 (0.46% of loans; DQ 3.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 36 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | charge-offs p90 |  |
| 2011-09 | 10 | capital falling |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-05-01 [Barbara Gaby Nettles Obituary Apr 11, 2009 - asturner.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5Jd0RCaFhpeVpob2d6TlZxOFlOVjY5SExLOEN6ZHpNS3VGOFFOMndUdmxmT2d4di1IdmdXX09EZEhIOXB0VzZsSENTMzZkRFBlUTdXcDU3QTM0S05mSlZhaGd0THVqRWc?oc=5) · asturner.com
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2010-07-21 [Ga. Father Gary DeToma May Face Death Penalty for Murder of 5-Year-Old Son - CBS News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUDIyTXZ4OEZycGxIU0oxeENDUXpmeDIzOTAtQzc1clUtNFRub0F3OEg2MVdPTXJpaTlIdTNwYl80aXBSUllDRkpMelpORGl6NllZYVZEVW16TURXYkJIT0EtTTRCQVNYR0N6NUdad3lma2ZNV01FWkdaalRMZFF4TVlVcUFUd1FhOXU3OF9kN0dWb3d3YnFxeXhwelBTeTRNMzhrNnZR?oc=5) · CBS News
- 2023-09-03 [View Mark, Mike and Chris McCarthy's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOTlFrVTNxS3RlWHZGLUZMQTNUVU1pVWNVWVVlcmZEYjViX0diYlc5c09SVWxYRE42Wmdhb0xSa21xaWRjSFlTZW53OFJxNEV6bDhQOG05T1VqWEVqbWt0YnhWNzVwR3FrOUpSZEFERUUxd3FfRzFYZWJfNXgzNm01Rk5fdmlJdmowZHRxd1FVS3ZQcDYxUDd6aGhoTHIzRjRaUDAxY2tNbG9raDlrU3FUNXVxcnhQeHla?oc=5) · legacy.com
- 2008-12-01 [John Kenneth Garrison Obituary Dec 1, 2008 - asturner.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1YdGlWMUF5MXpGOWRuRUFyXzliclhmMU11RGxncVdHT296M2VlSG91QkNuX1NIX2pfeHloVGVtajV1R1hGc0c4ZkNvbmIzb01nVHdieDQzR0hZSmZ0Y3RhTlcxYTkycVhy?oc=5) · asturner.com
- 2010-07-15 [Gary DeToma, Jr. Murdered - CBS News](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9BbV9PQWZkaGk0VU9uMHdkUFhFbVFxUG1ZODlud3RHRXB6UHJ2RjlyTjgwZlVleXFfZVVNRGxVUnJObXRjLUkxd0pOVGRraGxrcFNYZ2hJc2g5MmtrZk55VmdzVE9KdkVf?oc=5) · CBS News
- 2015-07-25 [M. Bobbie Bailey Obituary Jul 25, 2015 - asturner.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE4wcGpYNmpaZTBlRTE1NENIZE9ES1owbTFYR0xhMl93dm5vWDlZNlVyaUZPdzBnMncwWW5YdFFVZmhCNmJobTh1WDlLV0s4ZVFNdXJoRG1CUW9tV3pONHVmMw?oc=5) · asturner.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34392 (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/24.json (key "34392", 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