# GWINNETT COMMUNITY BANK
DULUTH, GA · FDIC certificate 35249 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $224.0M | |
| Deposits | $211.8M | |
| Loans and leases | $136.9M | |
| Total equity | $11.6M | |
| Loans / deposits | 63.71% (p29 of band) | 76.58% |
| Liquid assets / assets | 30.54% (p51 of band) | |
| Uninsured deposits / deposits | 20.65% (p66 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.21% (p0 of band) | 11.42% |
| Unrealized securities loss / equity | -2.45% (p2 of band) | 0.65% |
| AOCI / equity | 18.19% (p99 of band) | |
| ROA (annualized) | 0.70% (p31 of band) | 1.01% |
| Net interest margin | 3.98% (p60 of band) | 3.82% |
| Efficiency ratio | 80.67% (p76 of band) | |
| Noncurrent loans | 0.01% (p18 of band) | 0.52% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | 18227.27% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 132.90% (p98 of band) | |
| Auto loans | $328,000 (0.24% of loans; DQ 3.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, securities losses >30% of equity, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | losing money | securities losses >30% of equity |
| 2011-09 | 7 |  | losing money |
| 2011-12 | 9 | losing money, expense ratio p90 |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 10 |  |  |
| 2012-09 | 10 |  |  |
| 2012-12 | 10 | expense ratio p90 | uninsured deposits leaving |
| 2013-03 | 10 | charge-offs p90 | expense ratio p90 |
| 2013-06 | 10 |  |  |
| 2013-09 | 11 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2013-12 | 11 |  |  |
| 2014-03 | 10 |  | AOCI drag >20% of equity |
| 2014-06 | 10 | uninsured deposits leaving | securities losses >30% of equity |
| 2014-09 | 10 | expense ratio p90 | uninsured deposits leaving |
| 2014-12 | 11 | losing money |  |
| 2015-03 | 10 |  | losing money |
| 2015-06 | 12 | securities losses >30% of equity, charge-offs p90 |  |
| 2015-09 | 10 |  | NIM <2.5%, securities losses >30% of equity |
| 2015-12 | 11 | losing money |  |
| 2016-03 | 10 |  | losing money |
| 2016-06 | 8 |  | expense ratio p90, charge-offs p90 |
| 2016-09 | 10 | expense ratio p90, uninsured deposits leaving |  |
| 2016-12 | 14 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, losing money |  |
| 2017-03 | 10 |  | uninsured deposits leaving, capital falling, AOCI drag >20% of equity, losing money |
| 2017-06 | 10 | charge-offs p90 | securities losses >30% of equity |
| 2017-09 | 10 |  |  |
| 2017-12 | 9 |  | charge-offs p90 |
| 2018-03 | 10 | securities losses >30% of equity |  |
| 2018-06 | 9 |  | expense ratio p90 |
| 2018-09 | 9 | AOCI drag >20% of equity, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-12 | 7 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2019-03 | 6 |  | securities losses >30% of equity |
| 2019-06 | 6 |  |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 4 |  | leverage <5% |

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

- 2023-03-28 [First Citizens Bank is buying SVB – Here are the other failed banks it’s bought - Forbes Australia](https://news.google.com/rss/articles/CBMipgFBVV95cUxPYWVWZVVsYVZxVWh1MHhOQzVuRE9odHd3dG5jWTUwSW9uWHNyRmVIOTVMbzNpRGRxencySnN2Rks5QTdXa3lnLWJDU2xUR0tjYjk4SHlUWVNtSXc5NFcxa1MzUkxlaVAtdzNtMjRPeHc0NTIwVTdLRHcxWVVERnZiNWZhNVdQZ0VXVGJXUllKSnpnV0tjU2hkSlN2VGJQUmk5bTR0bG5B?oc=5) · Forbes Australia
- 2023-03-15 [Obituary information for Betty Nichols Adams - Crowell Brothers Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxPYkpEUC1Tek9sdzBlci1VWThlZ19xLUdnVFVSOW94b0xtU0lqY2gtVnZ6Rjk3bXJLQkJjNG12enEtTi1tOG0yYk1SQTB5ZzVjeUR1Vm01VXByclVXRGpFeFR1dHlrUXN3SG1Sc2wtTTk2OUZPeEJVdnFpdWJCX0tDZGJ3?oc=5) · Crowell Brothers Funeral Home
- 2024-07-29 [Brandon Jay Hodges Obituary Jul 4, 2011 - Ingram Funeral Home & Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE1uZUhVWUZFSjFVRXp4alVxN2trcDVVTG5icUZCa3RrNDVsQmdjWVVJZ2RDOGxuanBTTmNSVkZPS2dVdUV4QnVVUzNYaG5mVXpqdUdGTnNieDVIZFZtYzh1alJaN21pYUh6al9iUU9rc0M?oc=5) · Ingram Funeral Home &amp; Crematory
- 2014-03-21 [Atlanta's top 100 leaders in finance - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbHhENzV6YjVqQ01UNktVRTVUTDlzcE5zUlFUeVNET2RBTV80QjVnLTRHamFVTkgzakxnQmVvTURuUFQ0c2tKa0QyMzdOUTlrX3NEdE1SLUtSZmM4UzA3MTBnV3U4RFA3NHBSeTBNelhnSEJmTnFBZmpsS05TMWNyRml0YUFRMmVHczlGNkI4VVVsMjRPNVZQZ2VHNUZNMzkxbFdxcw?oc=5) · The Business Journals
- 2022-05-18 [Obituary information for James Terry Gordon - Crowell Brothers Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVmJrTFFOcDZkRkVzZVRhNnFGa0w4R1pBY2lKQXJaYy1kZ21Fb0doVE1wYlBGZ2dxOHlMUXNGSFl0QktqRVZvYjN1M2tzNUxSOVBEeU1PYUVwYnR5NDkyS2s1NDFNY1J3NjJaVVJqcExxd255NXFseVYzYTV5dUU0dQ?oc=5) · Crowell Brothers Funeral Home
- 2006-10-28 [Roger Taylor - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxORk5EbmFDTXJaWW5UeExnVERCUEw4eUpScm80eW1LeERIbWdJZnVYcWlsRzdqTWY2Zll3cW12Y2ZQQi1LamUwUDFwRkFVWlFPeDhMYlF2alE3ZVNGVnRkS2wzM3puWU12bW9JRGFSUms3MjZuQV94aE9vb3RyTGIxR1lPZzlxWExlMi1OTDNoNA?oc=5) · legacy.com
- 2005-02-15 [Jeanne Richter Obituary (2005) - Duluth, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOWjF5c2ZuSEdwVlg4bU1WOWxKcnhZZTFNdmRDWG9ZY2Q1VDBFeUNDQUtrSE1LaFUyd3pXemo0d2NDRU9Ud2pMN3U2YWJyVWNjd2RPMVRuakIyV3FIT2Nic1FBcWtfVnFVRWNEd1c2ekpsc3RmZVBfS01aeWYtWi0wUnduajk1aURqaWZpQg?oc=5) · legacy.com
- 2023-03-27 [US Banking Giant First Citizens Bank Agrees To Buy Collapsed Silicon Valley Bank - Indiatimes](https://news.google.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?oc=5) · Indiatimes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35249 (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/49.json (key "35249", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide