# ATLANTIC NATIONAL BANK
BRUNSWICK, GA · FDIC certificate 34677 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $170.8M | |
| Deposits | $149.3M | |
| Loans and leases | $96.2M | |
| Total equity | $18.9M | |
| Loans / deposits | 63.52% (p31 of band) | 75.51% |
| Liquid assets / assets | 42.69% (p72 of band) | |
| Uninsured deposits / deposits | 18.83% (p67 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.17% (p45 of band) | |
| FHLB advances / assets | 1.17% | |
| Tier 1 leverage | 11.18% (p55 of band) | 10.91% |
| Unrealized securities loss / equity | -0.17% (p31 of band) | 0.10% |
| AOCI / equity | 0.06% (p23 of band) | |
| ROA (annualized) | 1.47% (p83 of band) | 0.87% |
| Net interest margin | 3.01% (p17 of band) | 3.67% |
| Efficiency ratio | 67.46% (p40 of band) | |
| Noncurrent loans | 0.37% (p40 of band) | 0.61% |
| Net charge-offs (annualized) | -0.04% (p8 of band) | |
| Reserve coverage of noncurrent | 370.31% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 74.77% (p89 of band) | |
| Auto loans | $266,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | construction >100% equity |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 3 |  | leverage <7%, expense ratio p90 |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 5 |  |  |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | charge-offs p90 |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |

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

- 2026-08-04 [PrimeSouth acquires Atlantic National Bank - The Brunswick News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPQTFfemNCeUZMa01HcDh5Wl9COERqN2NhNmFmdW1CYUNHZUwwYmpPQnZMdHpBeWplV09HM1dlRFhCcVNUWnNrbkU3cE5KXzUwU1ZrQ19tN2RFN05SOG5uYnFnZXZkRFpFdkFiQWpMQl9veWtjLXlhZWM3VXR1Z3RmVXN2ZkwwNmRVZ0F5bmxlS2h1M2tjV1hXU0JXTmJZTkRjeUFPNlRmZlctSVhpbm9jZzVyQnNJQmI0UGdPSWt1SUE3MkIzaG5JcmItWHk5V1RUeWc4?oc=5) · The Brunswick News
- 2022-10-25 [How city faded as a banking headquarters - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNTh3LV94ZGRQZzc3b0RCa0dtQ1R3X1h5TEl4Mm82ZFA3WDdoZVQwejFWYXA0TDhPUnpBT0NYOUFIdjdHMG1JUTV5WGtwT0prdUtfMURHWmxodkNDMTBrcjdKMnFidS1uclBydGUzYXlUd2VGOEJWT2tleVhJWl9Zc0FJaTI5OEtLSF9VS2dlc05qZ1E?oc=5) · Jacksonville Daily Record
- 2020-08-18 [10 more examples of Mid Century Modern in Jacksonville - thejaxsonmag.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUWFnbXdjcGtZcVFzX29mSGliM2NRWXhsLWtPZVFGdGNpZ19IUzVpbG8wdGRJZDFwQXh4a3dsNFdJZVhuWmFlVUxBOGlGWnNfTFZRdlc2ZUNFTDRFb0FvbXhRRkpKRHF1Vmt0NXgwOXFNRXEzN2Jta1k4azlhcDZjMHVCQmlMdzA2M2FnSVJDOHQ3OHpsbEM4?oc=5) · thejaxsonmag.com
- 2022-11-04 [Ann Crenshaw - The Florida Times-Union](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1lM0JmSjM2VnVlTlRadGx1WUM4MmhnSHN4ZzZNX2ZFOG9QYVBpeDR2cVRQNkp0RFhTa0xmeVI1UWNxLUp5VXVlaTBBQktuSndiVy1uX2hLR3cwbjVTcDlOZw?oc=5) · The Florida Times-Union
- 2022-04-01 [Geraldine Earp Obituary - Brunswick, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQmltYnFycUVFRng1MHdlZzltT2NlaEJERm4teEZvQ0RsVHZfSjZKOGw3VXRtdEU5dHNweklxaUk4QkV3TzdGeXQ2TmxERU1fTjVBY1NkazhFSDUyaHZCSTJZRXVQcVhMWXd1c1hxWC1vVENfSlNyQWh5MHl4dXU1RWQxUVpnZw?oc=5) · Dignity Memorial
- 2021-01-02 [Charles Reynolds Obituary (1937 - 2020) - Naples, VA - Naples Daily News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNc1piS2FmaW5qSk1iam4wLVdLWWNsNURfUmRkVjRaSG9vTWJJTHVyUnYzTVJ2bmhMWVdJenVwRVAtNGJ5Z2UtVndLQl84eVVZcXdyVlNHSnRFMExKTG9PUXQ5ak9pWENRYmIwaGZFQXVwemZMc2JKaTNXdWVtWmFJOWJ6emtqaXdjT1JldHFGaGc2bFE?oc=5) · Legacy obituary
- 2016-06-27 [Ameris opening Northbank branch at 121 Atlantic Place - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxQR09ReFB0SmhsVDBMMC00ZWFrQl9pMjV3ODE3Nk85ZThadVdnRHdmYXNSMk5qOVN0VVNna2lRUTREOW12eTdPYTZkTmFoQlZhanhJRWlwODdYc0JwZmVjMWhJajBvMDBnN0ZLRE5IYktidkNCampTdXdQQktqdGpmeUVya2wtZFFrVXJ2V3ZRWkdpU19hNXd2ZFp3Y2tRcXpK?oc=5) · Jacksonville Daily Record
- 2019-06-08 [Frances Cribbs Obituary - Tucker, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUUx6WktIMjBoRGVUQ3UyRU1wYWJaY29SVXllRndWM2s3RkdzV0IwQURQR2ZDOWJad0F0eThXNVdOM1lhSE84Wm5uOFowM2h5NVRYYjhWNFBNYklUUWtqd2tNRDQ2LWtOY2NwYlQ5b1dWMG5nbWJBcVc5TmZpS3hsMw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34677 (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/53.json (key "34677", 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