# BANK OF GEORGIA
PEACHTREE CITY, GA · FDIC certificate 35259 · asset band <$300M · latest filing 2015-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $286.1M | |
| Deposits | $264.2M | |
| Loans and leases | $162.2M | |
| Total equity | $7.1M | |
| Loans / deposits | 60.12% (p29 of band) | 73.61% |
| Liquid assets / assets | 25.70% (p35 of band) | |
| Uninsured deposits / deposits | 10.60% (p36 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.85% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.25% (p0 of band) | 10.70% |
| Unrealized securities loss / equity | -9.00% (p1 of band) | 0.86% |
| AOCI / equity | -5.22% (p1 of band) | |
| ROA (annualized) | -2.45% (p1 of band) | 0.84% |
| Net interest margin | 3.40% (p37 of band) | 3.64% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 5.98% (p97 of band) | 0.69% |
| Net charge-offs (annualized) | 0.10% (p77 of band) | |
| Reserve coverage of noncurrent | 34.23% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 333.35% (p100 of band) | |
| Auto loans | $944,000 (0.58% of loans; DQ 2.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.4% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2012-06 | 6 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 7 | uninsured deposits leaving |  |
| 2012-12 | 11 | capital falling, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 6 |  | deposits shrinking, assets shrinking, capital falling, losing money, expense ratio p90 |
| 2013-06 | 7 | expense ratio p90 |  |
| 2013-09 | 11 | capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-12 | 11 | losing money | charge-offs p90 |
| 2014-03 | 9 | uninsured deposits leaving | expense ratio p90, capital falling, losing money |
| 2014-06 | 8 | losing money, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 9 | capital falling |  |
| 2014-12 | 9 |  |  |
| 2015-03 | 8 |  | charge-offs p90 |
| 2015-06 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2015-09 | 10 |  |  |

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

- 2026-09-08 [First Community to present 2Q26 results, leadership transition and Signature Bank of GA acquisition details - TradingView](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPZ2pKTV9wSUx0czVEaFUtZ3pFLVZUV0JmUGlJVlRDbi1DNE0xZW5BSWNTaEItVWc5NnFqMGc0b0d5ZGxia2diS1BTZzFOZ19Rcng2c0lVbERBcHVWbFVRRnNOSENCamlpNzRacXhsdlVocWtDQzdXbWRHTG9sMG8ybGo0TUVWdFpYRWtVdG5Hc2E5QmlaM2U4UEdWTjdaU0xlenZsTVlucGZJcDk4ZXZFSzRodk13c05RMGFXR2NZclZEMHBPZFpVM2pSbHl3dVZCYlpadE5FQ3N5aVZKM1pKa19oamJveVlrdHJ4eEcxbFhST0xNOFkxQ241Slo?oc=5) · TradingView
- 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
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-24 [Mr. Thomas "Tommy" E. Boland Sr. Obituary Dec 24, 2025 - Northside Chapel Funeral Directors and Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE5lTXFxUjYxMDd0V0FwQzMxcm9ZbV96ekVreUpnU2hhcGlJU0xEbjJ4azBkQzY3Uk1qUElhbl8xTHc3SWZfV1hvWVlnOWVOSEpPQ2R6Uy1IT3RQeGlsRHl0d0VYY2RjQmFPNWVnZHJn?oc=5) · Northside Chapel Funeral Directors and Crematory
- 2026-07-27 [First Community details leadership transition, Signature Bank of GA acquisition and dividend increase - TradingView](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOQWpva0ZjUDZOYWh4Smt3SHFzMmptcHdKU05kUFVTemZOTkNjTHUwQkwxNHpaV0h5ZThRWHcxanVld1pMaXZQc2JhZnFEUXhJWlI1V0VDd1hTLWNhc0MxbUtZeDRLaDBpUllzdS1ZZW5jRTB1c2FaUWRiSWg1cmhzQ0VKUHl4OTE5bXhCb1FaZnRCSWIyV2VGdEpReHhfaUdQUlQ0NDc1UEFRbWkzWTBtTmJDUVJIdWo2aWhmWlRLTi1pRGc5QXJLajRLZ1ZUeS02TkMtWmpCS1NGMDdRejc0eWNZbVRNcFI1WXQxMTZUV1FmMlF1?oc=5) · TradingView
- 2025-07-14 [First Community Corporation to Expand into Atlanta-Sandy Springs-Roswell, GA MSA with the Acquisition of Signature Bank of Georgia - PR Newswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQRHBrR09ZRlA1VWZXc054a0xPNWR6QXpOSmNIVjV0S2YzeDJjMEljUHptZGpyTlQwcmk4ZEVxcXkzUEY2cW1mWl8teDQxcjNuSlM1RjBaNHFTWU5fSEEwejk5ZHB6X25fNy1tbm9SR293cTFyZURYUlhMdktSMG80czlDQVNtREc4WXJGSVFsUjJBV282UjBPc0pjRlZKc09sTXhLVFROTlVtZnlFSkladUdqY1V2VzlhNWN1TS1BYjZqM2ZBWkVDRXZLNXNzMFV4YWlpbWtwM3dlVEVldXdlR1pQWlh0YmtCZnk5Tk1sc0otZEw2YXNiLTE3TVFpOU1kNUQ5Y3lQNW9nRDdnMWdDNndxZw?oc=5) · PR Newswire
- 2024-02-28 [CENTURY BANK OF GA TO MERGE WITH SOUTHERN STATES BANK - WBHF](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZ09EU2VNS0ZBcUxxNm9RbFd6VDRzWWpERUlVcWFMTnpXU1N4cWNWZkNJQ3FVYXduSUlhUHU4SFZlbDBFMTMya19JaW5jT0ZrS0Q1MEJNQnF5T0RVd3FiRTREc2RVdHkzOWZoWG9KWHRIdWFlR2NiSTA0bktya0lFRUZ3?oc=5) · WBHF
- 2026-01-11 [Tommy Warner, Obituary - Athens, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1iS3dSLWc4cFFuYkJLMWlyMkpTeWM3Wnk4VzRHYUZ1V2R0bUpkUm9tT0w0Y3Q4b1ZNYWpzS3ZkZ0FJU19Sc1pMam9Cb0I3NV9KQmJRQ1F3TTNaQ0dSckk3bEhMWkJmbHYweEJYRmN0UGdxV3hUWXk5VkJiZE1qMFk?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35259 (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/59.json (key "35259", 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