# ALLIANCE NATIONAL BANK
DALTON, GA · FDIC certificate 35173 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $161.0M | |
| Deposits | $132.1M | |
| Loans and leases | $94.4M | |
| Total equity | $15.2M | |
| Loans / deposits | 70.08% (p50 of band) | 70.22% |
| Liquid assets / assets | 36.41% (p53 of band) | |
| Uninsured deposits / deposits | 11.54% (p46 of band) | 12.36% |
| Brokered deposits | 7.31% | |
| Wholesale funding | 15.55% (p93 of band) | |
| FHLB advances / assets | 2.48% | |
| Tier 1 leverage | 9.84% (p40 of band) | 10.41% |
| Unrealized securities loss / equity | -9.71% (p3 of band) | 0.24% |
| AOCI / equity | 7.29% (p91 of band) | |
| ROA (annualized) | 0.56% (p33 of band) | 0.79% |
| Net interest margin | 4.19% (p80 of band) | 3.62% |
| Efficiency ratio | 84.06% (p73 of band) | |
| Noncurrent loans | 0.65% (p43 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 296.91% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 48.34% (p81 of band) | |
| Auto loans | $291,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9,000 (0% of equity) (p96 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2012-09 | 3 |  | capital falling, uninsured deposits leaving, charge-offs p90 |
| 2012-12 | 2 |  | reserve under noncurrent |
| 2013-03 | 2 | expense ratio p90 | brokered >10% |
| 2013-06 | 1 |  | expense ratio p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |

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

- 2018-03-18 [C&S Bank set to merge with Alliance National - Dawson County News](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNk94ZEJGQS1nOVFBZS10aXFEMGVGWE9iOU8zNlhWRE91dnd3NEhsUG45eURhSHdXblAtQU5uTlhGa2pUZ1djRXVrNTl2dDJ4S2M1MGRNN1dHYnRhN0ozWGdkZlNiSTFyV3d5RS00UnBCU2FHNm16UFBhajNoako0dkdNdmdtc18wOXJBb0UwVQ?oc=5) · Dawson County News
- 2025-08-30 [Remembering Charles Allgood - Dalton Daily Citizen](https://news.google.com/rss/articles/CBMic0FVX3lxTE1Ca0dnRjItYnFBNk1OWmptQUdDbFZyZGdQWmRMVmxLTW56Yk5HZjM0WmVqZkVnMzIybERHdmNrbjFqVmFzR3hXTW9ST2hoSlRXY1dSYjBVUURyOWJqcDBWMjVYMS1Tdlpjcm1yaUpaZzloX3M?oc=5) · Dalton Daily Citizen
- 2025-08-27 [Charles Young Allgood Obituary in Dalton at Willis Funeral Home - articobits.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMk9nRHlSVDI1eHJqTlF5OG10WW83MjZ4OVU2RzlKN1RGUU83eTBOVjBUMVBWdXkzQnI5QmViaTlHVDhDTWFZcXlzM3pjWjNvVXlJNy1SSE1IeGRvaHpZRlgzWHl2c1N0M1ZETm1xa1F3RXE2UW13TlE0YWZSTk9tekxqS1djOGR2MzhDU201clhyUQ?oc=5) · articobits.com
- 2026-03-17 [Obituary for Andrew Keithline Walker - Memorial Park Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE5xY2tzMmJoZFRrYk1BSDh0QUlqSFN3aDRlUkZyd29YOENuVUVsNk9tc2RCZnZrUjNYdUU5TlI1Wk9SdVhDY2JXWkRGNl9kSU1xRjEwMmxDdF9TUDNoVnBxLW5pMzdSd1dBWC1UQmw5RWc?oc=5) · Memorial Park Funeral Homes
- 2018-03-20 [Leak joins local bank - Dawson County News](https://news.google.com/rss/articles/CBMickFVX3lxTE1kbGZkckhMX3hoRUppVlh2QnZvaV9lVkNyWmF0bU9rbVN2QXZJUEtSWjNsc1lfZWF3X2JVWk5aUDFNdVpjejVUN2RWMm81aHBhRjBDYTI5NDVhb25NYVZuOXBJdVdaRnpwVk1hMjNlNm9WUQ?oc=5) · Dawson County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35173 (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 "35173", 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