# SMALL TOWN BANK
WEDOWEE, AL · FDIC certificate 35112 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $240.6M | |
| Deposits | $199.9M | |
| Loans and leases | $120.8M | |
| Total equity | $39.5M | |
| Loans / deposits | 59.66% (p23 of band) | 77.89% |
| Liquid assets / assets | 45.08% (p77 of band) | |
| Uninsured deposits / deposits | 14.89% (p46 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.30% (p83 of band) | 11.44% |
| Unrealized securities loss / equity | 4.23% (p93 of band) | 0.54% |
| AOCI / equity | 4.37% (p74 of band) | |
| ROA (annualized) | 0.94% (p45 of band) | 1.03% |
| Net interest margin | 3.97% (p59 of band) | 3.82% |
| Efficiency ratio | 71.27% (p55 of band) | |
| Noncurrent loans | 0.74% (p58 of band) | 0.54% |
| Net charge-offs (annualized) | 0.07% (p76 of band) | |
| Reserve coverage of noncurrent | 169.94% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 25.28% (p61 of band) | |
| Auto loans | $978,000 (0.81% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | charge-offs p90 |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | deposits shrinking, assets shrinking |  |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | capital falling, reserve under noncurrent |  |
| 2018-09 | 0 |  | capital falling, reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |

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

- 2019-05-29 [UPDATED: Anniston-based Southern States Bank to acquire more locations - The Anniston Star](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPTVJoZk9rS0FleWdfNUtjOE42R09VS0t1T3lTdjR1ZC1jeWFTYnI5bTF4bUM4eDNNQ2RGVW9vZVhXaHBXcE4zWmxVZFd4THRTYUFTZlhvVDU5U0NaSDJ6NDdOM2JSNTlEMjlmREFFNkdvQzU2MzFzcUFhV2xCUnJCeW5iNkdQYUp1Uk16LTlGN2Q5TWFzTHJ2bzJMOG9aT2todllsZUIzLVpjUjZoZ3J0bGRST3J0WW1vM1dVdEM2VWRPVWtnb2V2NXNqR1FKT1NpUGdhc2NOWnBUV1VkQUFUQkxyVXl1Q21GMW11blBXZHVJUUUx?oc=5) · The Anniston Star
- 2018-05-04 [VIDEO: Inside tale of how small town Alabama cops foiled ‘Small Town Bank’ heist - Yellowhammer News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPVGNwZ3JDTWJsRmVfUnFtcEo1Q0NOd2xIc2o3bEFieVA1cGhUVjJibmZrV1FqXzNVUXpMWkhvX2ZpOU51RjN5cU14a3M2MG8zelBkcVJQS0txazl2YW9zRjluVlk5UHVJTGpPcmlOWFdTYmpWVVEtVUF3eG11dEhjR2pmZFc2VVNEWmFFNGs3R3RmSEt5b1dBVVNHeTN5bE96Nmhv?oc=5) · Yellowhammer News
- 2018-07-10 [Small Town Bank “A Real Community Bank” - The Dallas New Era](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUUxTRTh4d0JUTjNhbElad3JVZnVrRjd6QVo4cjJYOGJWQW4xTlJJeW1LdTFmSlkzQk5sX210ankySnh0YVE3Qk0wQTY0eERMTzBqRlNhNWFkckhDVG02eVNFblpyM21pMWlXcGdpTE1yWVpFM2Z3X3lJcFp0RHRLU20wN3pOTlFzZnBUZ2N3?oc=5) · The Dallas New Era
- 2019-05-08 [Southern States Bancshares to acquire East Alabama Financial Group - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNN0JoSFdXazNyaWt2VVFUNGFta1V6d3MzbTFNbUgwOXF5WldqWXgxNWV1dzgyM0RjSkRJZmkteDY5bk1icVEzTHl3OWFCbG5lX0JKdWxkZk5KbWdsTjFCUmpfSERkazRiSzNVNWd0YjZBQ0Z1X3RNczNoMEtXM2pEWURPNTJOZ24wby1xb1E3OFJvejgyY0FpLVNxVjJUTWxjblpkV3BSZFZrWFZBRDVr?oc=5) · The Business Journals
- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · Business Alabama Magazine
- 2018-06-28 [Prosecutor: 4 Georgia men indicted in Alabama bank robbery - WTOK](https://news.google.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?oc=5) · WTOK
- 2018-06-27 [4 Georgia men federally indicted in 'intense' Alabama bank robbery - AL.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNV0pkU2FRbjFrMVFtTWQ3eXFTM1BfLTFxWklZS0diU2tIZ0kzSjl3b0FZVHVLYmFaVUFtVHhYdjhSQkNZTHUzaGpvVkNXSnl3N3NxYWpDZHdIU2JtSldISHpzR2xZV2pJcGVCZk5JaUJtZmRDYnhCaDBna0NoQkxQXzRhblk?oc=5) · AL.com
- 2025-07-16 [Southern States Bank to change name in merger with Tenn.-based FirstBank - The Randolph Leader](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9FU3V2U01LZl9vaFVuaWlZQmZ4LUE1SlhYdnV4VU1YNExCeGFNYWZwUjVZdTl0UFdnSGEtVy05VGgyYzQyYmUwTTlDQ0xhSndST2ZjWnJ2Y2p4ODdfUWEtUTlB?oc=5) · The Randolph Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35112 (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/40.json (key "35112", 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