# FIRST ALLIANCE BANK
CORDOVA, TN · FDIC certificate 35245 · asset band <$300M · latest filing 2019-09 · 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 | $141.7M | |
| Deposits | $123.0M | |
| Loans and leases | $118.5M | |
| Total equity | $14.8M | |
| Loans / deposits | 95.47% (p84 of band) | 77.79% |
| Liquid assets / assets | 10.90% (p6 of band) | |
| Uninsured deposits / deposits | 19.78% (p65 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.84% (p54 of band) | |
| FHLB advances / assets | 1.20% | |
| Tier 1 leverage | 10.15% (p28 of band) | 11.56% |
| Unrealized securities loss / equity | 0.75% (p48 of band) | 0.80% |
| AOCI / equity | 1.48% (p40 of band) | |
| ROA (annualized) | 0.60% (p22 of band) | 1.05% |
| Net interest margin | 4.60% (p87 of band) | 3.84% |
| Efficiency ratio | 82.69% (p81 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | -0.06% (p5 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 63% | |
| Construction % of loans | 62.06% (p86 of band) | |
| Auto loans | $673,000 (0.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 37 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 | losing money, charge-offs p90 | construction >100% equity, reserve under noncurrent |
| 2012-03 | 1 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | losing money |  |
| 2012-12 | 2 | expense ratio p90 |  |
| 2013-03 | 0 |  | losing money, expense ratio p90 |
| 2013-06 | 2 | expense ratio p90, charge-offs p90 |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | liquid assets <10%, noncurrent p90 |  |
| 2014-09 | 1 |  | expense ratio p90, liquid assets <10%, noncurrent p90 |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 6 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2017-03 | 2 |  | noncurrent p90, charge-offs p90, loans exceed deposits, liquid assets <10% |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | expense ratio p90 | capital falling |
| 2018-06 | 2 | charge-offs p90 | expense ratio p90 |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |

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

- 2025-12-09 [Pinnacle Financial Partners Names Alisa Huddleston PEER Center Office Leader in Memphis Area - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQa1VsVXBtNDc2TFhoZWpCRnhnOVlEVGFLa0pSUjhCMFRnRFFOOHNUWmFJdkx1WWYzWVAwNEdsQVRQZGZTd2hOSHJnUXVadER4aThtdUM0RlA5YXE1QjJQNmVjTTg3UUlmLXJGMWVQd080Wm8zZG1yOGU1NWhLYlctNVU1NEhoeEdZaEYzc3hsME9Gbmt0Y1Q5TXBRU0J2SGZ2TUk5djhxMEw3S29Va0t1cms5a2p5UW01YjdzQWVEVEV4endHMHRWSUlET0VSZlVwMlhVVE1tVHZoU2Fzdm1hc2QtQ2g?oc=5) · Pinnacle Financial Partners
- 2019-08-22 [Mississippi bank buys Memphis-based First Alliance - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNOGpUakZaRWhMMWxPUGNDOVNsOFZvNGViLTE0dDlRMDJaOTNTYzA2WmlwZDhjVklHQmM5clNhUlhQU1Yya2ZYa18tUUhadVdaR2haU3R5MWMwdlhSSGY0cFZuMzgxbEU1c1dvbnNXX1dvcGd2RnM2dGlFbXByNWRuUTQ3YUx2MEJLZ3FzbUgzUGFRdkVYSUhlX19vSTF3cVlFOW1BcEl2cGk?oc=5) · The Business Journals
- 2022-04-01 [Power Players 2022 - Memphis magazine](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9WOG1tUEhLYU5yV1V5UnZ1aEtNZ1RRNW9ublVwZ0hjdUdwQ0lPOGFYdU1tYnlwYVNvRkR4Y3N6cUlKQ3pBZG1kblNJeDBpbTRVVUZYeHpxT05fWmdfZ1lHVkpTN1JDZlE?oc=5) · Memphis magazine
- 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
- 2017-01-19 [TVA board names Evans as chair - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdlB2ZTN1Mk9yX2tqN2UyMnp0OGg3YWZhWk9hNVhSWkdMenNnMmFjckRkOWptMC1lR21Vd2h1OWNqR2pvYUF5YnhzVTV4dnNIWXFEMW5Ndl9lU0x4cGFEMzhJTWNWdWhxYWJyc2xoRWJsTk91blZzdlZRQW44QWFiNnNfS3kyOGVGQmhIZ21JTk41cGo5WGtsNVZn?oc=5) · Knoxville News Sentinel
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-02-04 [Meet the Power 100: The Bankers - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOTNERjdsRE01UWhxWmJZWi0tYkM0VHFuWWVIZGhiVFVoWDBkWjFRYk4zUmZsQkcxLUc1blZQUEU4d1ZhTkVDVVpLdlpnNkxpTTNWdlF0cUxHcFdNVk1UNXhWRW9JNVNlSzR5TFNYX0F6ZzRLMUFiLWZELXRKc29jaE9BTGR2dDhZbzdGTHVjMHY1X0lWX2NoS0k3V0NER2N4Rmc?oc=5) · The Business Journals
- 2023-02-06 [Power 100 2023: Bankers: Trevia Chatman, Bryan Jordan, Johnny Moore, Angel Price, Susan Stephenson - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWFkwSV9TaGRNYXNxTWhYZEpPVTVzVEZUNlBja3hoanFGTTV2akE0dTVUWTh2emppZGdWZ3dJOEtmLWRaOVhNaFNVblQtREV2eVBmQ2d1eTVhTDNzR3QwU2t5b25DakVUaGNqZDJGN0hsaTA0RjQ1QUhQcVQ2dHFUOUhJbW9RUW5WRXd2REpsVUs3dnAtajBzcmc4R0kxcXNZOGQwVmFZcw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35245 (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/45.json (key "35245", 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