# BANK OF JONES COUNTY
LAUREL, MS · FDIC certificate 34897 · asset band <$300M · latest filing 2014-12 · 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 | $218.2M | |
| Deposits | $188.0M | |
| Loans and leases | $61.4M | |
| Total equity | $27.8M | |
| Loans / deposits | 32.30% (p6 of band) | 71.50% |
| Liquid assets / assets | 68.40% (p94 of band) | |
| Uninsured deposits / deposits | 19.54% (p74 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.90% (p70 of band) | 10.45% |
| Unrealized securities loss / equity | 5.86% (p92 of band) | 0.49% |
| AOCI / equity | 10.98% (p94 of band) | |
| ROA (annualized) | 0.84% (p53 of band) | 0.81% |
| Net interest margin | 2.68% (p10 of band) | 3.66% |
| Efficiency ratio | 59.35% (p16 of band) | |
| Noncurrent loans | 0.21% (p27 of band) | 0.76% |
| Net charge-offs (annualized) | 0.16% (p75 of band) | |
| Reserve coverage of noncurrent | 542.75% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 6.94% (p34 of band) | |
| Auto loans | $2.6M (4.22% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 25 | |

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | NIM <2.5% | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | NIM <2.5% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |

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

- 2018-07-27 [Wendell B. Gavin - View Obituary & Service Information - Memory Chapel Funeral Home - Laurel, MS](https://news.google.com/rss/articles/CBMid0FVX3lxTE5mbnBNRmpNUXBFUHlwNW1HdmJRTDBHNlJ1M1k1b1hqazBVa1dVTDV4cC1xb2V6R25rMVVsdlV3bTN6U0dFUHQ0WWRLSVBHbzJXVWVaeExxM1JKQXJULXVuVy0yUl8xX1BqVDdWOXV6VkNaaWNmMjNZ?oc=5) · Memory Chapel Funeral Home - Laurel, MS
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2018-12-17 [Johnson retires from United Way - Laurel Leader-Call](https://news.google.com/rss/articles/CBMitAFBVV95cUxOQjRmVkNYc2dVbzRXU2hfWXN2WHR4VWVpOURGQkx2Z0xjZExzOUVfRWpHUTlZaW05eW1mZXZwLVVvNUdMcVVoN1BPRkdpMTE4ckZFbXRDWFNFSmRMRkZqaDE3UlB0QWZCeTZvem11d2Z3cTk2TDZ5S2RUQUhBWS1ORVFNcmJrOS05TE84czBCdS1NWUl2QWExNnV2V2E2dzljdU1VeHRUSFBCLTRILXZOcVhXbEw?oc=5) · Laurel Leader-Call
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC
- 2008-10-07 [Alfred Williams Obituary (2008) - Gray, GA - The Telegraph - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZUZsNWhtUkcwRVNsdGVMSUFlanJZRzBiRVZOcW5VZHI2VWl2emJrNGxFRUVKUU1KZTFnOTVYeXpzSW5mbFZ3cUtMV3JjQk9HalZtRnZ0em1hUXZqY0pmbEtGeDJUM3RTd28zYTBiVTZTUlFocmJNNWNPa24zV2FHLTFzRW1CNUtpbmJuXw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34897 (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/17.json (key "34897", 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