# SPIRIT BANK
BELMONT, MS · FDIC certificate 34917 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $26.1M | |
| Deposits | $22.7M | |
| Loans and leases | $10.5M | |
| Total equity | $2.4M | |
| Loans / deposits | 45.41% (p13 of band) | 70.28% |
| Liquid assets / assets | 54.99% (p85 of band) | |
| Uninsured deposits / deposits | 10.44% (p62 of band) | 8.25% |
| Brokered deposits | 0.54% | |
| Wholesale funding | 3.65% (p57 of band) | |
| FHLB advances / assets | 3.10% | |
| Tier 1 leverage | 8.99% (p32 of band) | 9.92% |
| Unrealized securities loss / equity | 4.12% (p57 of band) | 3.23% |
| AOCI / equity | 4.70% (p80 of band) | |
| ROA (annualized) | 0.47% (p36 of band) | 0.69% |
| Net interest margin | 3.23% (p18 of band) | 3.86% |
| Efficiency ratio | 86.78% (p77 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.38% |
| Net charge-offs (annualized) | 0.01% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 61% | |
| Construction % of loans | 40.16% (p72 of band) | |
| Auto loans | $666,000 (6.36% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 6 | |

## 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 |  |  |

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

- 2021-10-29 [Banking in the blood: A family of bankers in Red Bay - Business Alabama Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUWdOdGdiTWtibDVFRzVJSDE0YkxCZG14RVVIZmphNnRUNzMzcHdpdkRUa2k2MVpKOVRIMmNrMURMc0hRTGxMLVFld3RoU3U5dHpHUWtITW1mOHFhSENNVkNpa2U3Ty1oRVd3eU9PNjVFaU1kZTl2MG9KNFBQYTgwMUU1UF92cDA?oc=5) · Business Alabama Magazine
- 2024-04-02 [How Three Community Bank CEOs Are Tackling Tech, Talent and Deposit Challenges - The Financial Brand](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPb01mTzVJXzh4Q1VHMmUtZW90Umw0NEcwN2lrMmJ2REs0TUlkdHVZRWVHMnMyOUY5eUFtXzhxcnZpRm9LckNZd1V4YjRJaE82Tmx4T0FvdmZJcVpCSExpa1RNUnJGWHM1V0hSSzgxOVJ4Nk05cUJxM3VKNnNUVVpFWkpmTmhMYzlsellVcG1kWHZpZzRfcW9TUDRrUWlicHJHMjdRX3ZHMDFLd0FPZk9FX1YwX3gxSjAwVEh3azBidHYzMVNEUWppUTEyamduWFpPdG9pWThzdGdBeGRZWmc?oc=5) · The Financial Brand
- 2026-07-24 [Rates on business loans have held steady, but they might climb soon - marketplace.org](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS0F1Zjl1bEFuZlhoZi1wQTJzbWVwaXk1Q1lIeU5xYWw2cUx3dHpfR3drZWVsUW9vaEdiOGs5dXh3dHpXNURrRkozSVlUVUJoOThKbVZaUTFSTVM1UnVCUmlnYm5fdWlDZFNlYmdrVTVicUw1V0RISzRZZGtmMEc0aDg1V3RvY1pfem95S2JhV1VOSkp5VDVTczV4YU9RNGp5bFo4eDkyYi1sLVk?oc=5) · marketplace.org
- 2022-12-30 [Bank of Bennington announces community donations - Manchester Journal](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPY1pQNjl5eHJ5ODB5dl94N1NMTkRHT2RkeDZoWVRoc0tsMWZNbG9GOWowNG9ZRDBSbkFaTW5IaWtXY3FySXR1TmtWVVJVQjhQY3lISUlYak5hTExxXzJzbnFTYU0xVDN5bW9zMHp3Z0hoX0owVjJRU1RLRGpLbDdYT1VVWXZpZVlxTGlnd2JlUDBvNG9vVXhjcDJfMFhCZXJ6RUZVeldWWHRfQ2lIeDh3YVlnSUVFRXZqbXRfcVptcGRycnlnekpGTzJTeVFoalhhb2dLVXRCVVE?oc=5) · Manchester Journal
- 2019-03-26 [Shareholders, feds give approval for purchase of First National Bank of Beeville - SouthTexasNews.com](https://news.google.com/rss/articles/CBMilgJBVV95cUxPb3B6ME5tZjViY1ZuVHJmY1RHcEJZRU9UbDZidmtNRDdXdXBPNTY5RXRQQ1RnbXQtRnVMaEd4eXk4WFUtVlBqUWU5UWlnTlItSzNnLWw0QTNPeW1JQXJFN0xONm81b0E1MURLUUhHcWZacmdYOXlfd3JQNkRQRW9yWnp1YzdYMGw2OFktUnUyUW1zaWhONENBbVZCbUVNcTNzTHdpSWtoRnc2Rk5aQmFTaG1ReXlPM2lVY1pVT0JKb3p4RGdCUEp3N29WMk1XZnQ4QlROTlpoVDZFOF9YVWhxUkVXMHdUZ2VGbmFwUi1iUEVaT3ppWXNOMzJkOVNPQllsa1o1djRla2lfR2toRzBPb3Fmdml4Zw?oc=5) · SouthTexasNews.com
- 2026-06-03 [Lacey Haney Obituary (1985 - 2026) - Belmont,, MS - The Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQ0pBbXV3bHNFb2VyMGZTR0NLUHh2R24zMFRsa0JLWExPM0xFdEFEcDJHMGh0X3RZbFI1bHN1cW5rYWwyeWNvdUFpMUdaQTduM3pfdDlONGpMODdLWDAzQkNHa2puWmRyaHk1N3JlQzlZeTFLbnU3cDM2SWpkaGVfcF8zNjhQbzZ4bVFF?oc=5) · legacy.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2026-04-17 [Alice Trulove Obituary (1942 - 2026) - Red Bay, Al, MS - The Daily Journal - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOR0xmOFp3dURPcW5tV0hoNWdxSGttUTZFbENZV2pwNkhQRzJySkZmSDFtS1BUMDF1NGZZQlFSWVBfdjBFSVBWNVlTNWJfQi0tbURqa2FMQzlRSTFqaTlidG5hbndCT0c3NXBFR183VHp1UFl5NEJEMzA3SnE4WjNaVXY1d2xRTUNsYkR6X3VB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34917 (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/37.json (key "34917", 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