# NORTH GEORGIA NATIONAL BANK
CALHOUN, GA · FDIC certificate 34662 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $271.7M | |
| Deposits | $252.9M | |
| Loans and leases | $178.7M | |
| Total equity | $16.3M | |
| Loans / deposits | 69.91% (p44 of band) | 72.79% |
| Liquid assets / assets | 30.17% (p42 of band) | |
| Uninsured deposits / deposits | 30.73% (p83 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.41% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p12 of band) | 11.81% |
| Unrealized securities loss / equity | -66.92% (p4 of band) | -7.16% |
| AOCI / equity | 12.14% (p88 of band) | |
| ROA (annualized) | 1.14% (p54 of band) | 1.07% |
| Net interest margin | 3.97% (p57 of band) | 3.81% |
| Efficiency ratio | 61.14% (p35 of band) | |
| Noncurrent loans | 0.90% (p71 of band) | 0.35% |
| Net charge-offs (annualized) | 0.15% (p90 of band) | |
| Reserve coverage of noncurrent | 120.41% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 145.31% (p98 of band) | |
| Auto loans | $289,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 | noncurrent p90 |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 | capital falling | wholesale funding >15% |
| 2012-06 | 3 | wholesale funding >15% | losing money, charge-offs p90, noncurrent p90, capital falling |
| 2012-09 | 2 | assets shrinking, uninsured deposits leaving | brokered >10%, reserve under noncurrent, wholesale funding >15% |
| 2012-12 | 4 | reserve under noncurrent, deposits shrinking |  |
| 2013-03 | 0 |  | assets shrinking, uninsured deposits leaving, reserve under noncurrent, deposits shrinking |
| 2013-06 | 2 | capital falling, charge-offs p90 |  |
| 2013-09 | 1 | expense ratio p90 | capital falling, charge-offs p90 |
| 2013-12 | 2 | noncurrent p90, reserve under noncurrent | expense ratio p90 |
| 2014-03 | 4 | deposits shrinking, assets shrinking |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | assets shrinking |
| 2014-12 | 1 |  | noncurrent p90, deposits shrinking |
| 2015-03 | 3 | losing money, expense ratio p90 |  |
| 2015-06 | 4 | noncurrent p90 |  |
| 2015-09 | 4 | capital falling | noncurrent p90 |
| 2015-12 | 1 |  | reserve under noncurrent, losing money, capital falling |
| 2016-03 | 0 |  | expense ratio p90 |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, assets shrinking |  |
| 2018-06 | 3 | uninsured deposits leaving |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2019-06 | 2 | uninsured deposits leaving | expense ratio p90, assets shrinking |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 4 | reserve under noncurrent |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | reserve under noncurrent |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 2 | construction >100% equity | capital falling |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | charge-offs p90 |

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

- 2025-06-11 [NGNB merges with Millennium - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMic0FVX3lxTE9PMnZrNmZnMVRHTzBaallNRVA5OHBmYmJjcHUyV1dGbGpKQVJ6ak9DQmdBTmhyRDBjVnNXaWZheXljSEtTRVlNM2VWYTl3aEZzQWdIZURBdVBwM2R1QlNZMG9yX1NtWnB5eHBZOFZqT1JQWms?oc=5) · Dalton Daily Citizen
- 2019-04-02 [North Georgia National Bank heads into its 20th year in Calhoun - The Rome News-Tribune](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPQzU0anR6aHRjVmhlU3B6TnVQQlY1bWl4RlZrOWQ4ZldBZ0U4WlBldWNjSVg0Tm5kMnh3RXFQQ0laR25jTDQ1Sm9UZDBXa3BtY2hXRWlSalFkTEh5MHdmOWdDZVRWTkk1RDZ2em5LVFdaelUzcnhwNFljQXBudThVMENYdUk0Sk1QUTBwcm5URm9yMkNxOHVhbzRPek9Ua1BGWWpVREVFQVcwUkhsMTMzM0ZQb3lwU3R2LVVLQlZTVlVSY0NCRUdLdUZ3QmNQMmtSX2ZKTzVzSFE2bHk5RzJBb1BwY0E4Z1JQQTFEZVJOeERMNW9pWVQ4?oc=5) · The Rome News-Tribune
- 2022-09-04 [Stanley joins North Georgia National Bank - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMihgFBVV95cUxNMzJaX2ZReVhsVlFXclVycjU3S09HOTYzUjd5U1ZFVmpFY0FZVmpUckgtM09rYjFuRmtmY3F6QjhmTU9TLXJ0dy1ybnJlcURIeHQwanhBeXJJYkFZcjNQWkRHT3hYdzkyekF0M3ZkSzdnbWxUaEoybDFuTXRoYnhQekFMdXdPQQ?oc=5) · Dalton Daily Citizen
- 2023-09-27 [Wayne Gilreath Obituary (2023) - Calhoun, GA - Max Brannon & Sons Funeral Home - Calhoun - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQWWxDX21SczYxaHF3M29FcE54RHhpTG1lS0pwVV9RaWxKRU9PZnM4WnBaeC1GeU1nMUdTTF9Td2c5U0hNcmlqVGZPb0xybGVWQnZsR1F2aTYteDF4d2VSTDYxVVhKc05NbHpGWTB4cVdOX0U3Y0dORXd2eEtXWkpUeFpDSQ?oc=5) · legacy.com
- 2018-05-07 [Police: Van that crashed into East Ridge gas station also used in failed Calhoun theft - newschannel9.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQNWVETmdfUy10ZWc4Ym1rMjBGWG5XSUxWNDByU0lqcXhkQTd1ZkE3SnZrd2ltdU5VdzY1a0phS25Bc2hMSDFGdzdack9PQ2UtdG0yLUJLQUN3bzBia0V2cjB1UzRoR0hvenRTaHNLdGpVOEw4VER3SlFSX3ZRV1lZdEZYRVNqTHJ5SzNCXzhMbHI2Nl8yM2VJZWgtMWROUWtWYzNaTkNqaXVOVjQwTENuczFkMzc0QW9MaVpYZW1R?oc=5) · newschannel9.com
- 2017-06-24 [Gordon Hospital Foundation hosts 11th annual Golf Classic - PressReader](https://news.google.com/rss/articles/CBMiekFVX3lxTE5RUjN4NVJydjVIbkE2OGp6ZUhmbHY0b2pOMlhlMVJJNVUxLXJHWUNFdkRqV3NSR1gzMjZyOXZGdXRqUGhlYW9mRnQxV2VxWXhOYl83bjM2dUJUYjhNdHJUeFYyNF9BakdkanJkWUtmak9uOVRrTTQyWkN3?oc=5) · PressReader
- 2019-12-12 [Shea Smith named Community Connections Award winner for Gordon County Schools | The Calhoun Times - The Rome News-Tribune](https://news.google.com/rss/articles/CBMiigJBVV95cUxOY0JfRGtNc3NtRElDTFFadUVDbDZGSDM2ZFVsRWJyU01hMGlKR1BVZVlKWVM1UmdMaDRXRmdJSUJ6ZlVtU3A1aUtnc1RTSTlXb3Y4Wkszek1lN3dPOEZ0NHpreTE0cnRzVk5rYl9xU01XQ2RCU2Z3YUxTTUI0d3Faa2g3ZkJjUVJPVjRrdTZEdTR0b1NHRS1XR1JWT2JhRmhQMkQzOEMxRndNQVVDV2RPY3hlNlRGWUEwTGFuMWRmSzd2ejFGNDc5Qllsd3JpYkZDQ1JEUlpNMldMSjJQOHViSk1lU3lXeW53cDlMSHp4QmF1LWVPZWg1TUZMNzNqaVdITWwyN0dFN19CUQ?oc=5) · The Rome News-Tribune
- 2025-11-08 [Brown’s winning effort no “gaffe”: Beaverdale teacher outshines local leaders and personalities to claim the Celebrity Spelling Bee trophy - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMiggJBVV95cUxPUk9UUTladVg0Z19xcGlwM2E0bDBsQTRfSzRSWXZyOXk5aW9jZjdSZEQ5U0ZiMlVDQlVRd0ctelc5ZU9mQzFSdjd0TkxKX081bXoyVm5xU1RMM3dNbEJtOWN2WjJqak1mTklrUUxTYVprWU5OWXJwWmFOYW5SVUlFTjVQSlpuUGJGczljQUdMb0xBRmQzX0VRN2Zrb3ZNOXJvM0ZaZW9rMlJmOE54UThjUzNGOF8xRm9xTi1ZeURhVGc0eEU3a1NQWXlVWGk1ZnFaT19kMlExTXhqbW1rdkNxYUd2NjU3LXRkQ0ZqVHNZYW1sMi1aUmpCZUQ1WXNMdkZyN0E?oc=5) · Dalton Daily Citizen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34662 (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/38.json (key "34662", 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