# COMMERCIAL STATE BANK
DONALSONVILLE, GA · FDIC certificate 35319 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $90.4M | |
| Deposits | $73.4M | |
| Loans and leases | $48.4M | |
| Total equity | $16.2M | |
| Loans / deposits | 64.54% (p29 of band) | 77.79% |
| Liquid assets / assets | 41.57% (p72 of band) | |
| Uninsured deposits / deposits | 14.62% (p44 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.61% (p86 of band) | 11.56% |
| Unrealized securities loss / equity | 1.83% (p70 of band) | 0.80% |
| AOCI / equity | 2.48% (p53 of band) | |
| ROA (annualized) | 0.98% (p45 of band) | 1.05% |
| Net interest margin | 3.88% (p53 of band) | 3.84% |
| Efficiency ratio | 72.09% (p58 of band) | |
| Noncurrent loans | 6.30% (p98 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 33.27% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 0.52% (p17 of band) | |
| Auto loans | $2.1M (4.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.1% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | deposits shrinking | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | noncurrent p90, assets shrinking |  |
| 2015-03 | 3 |  | assets shrinking |
| 2015-06 | 1 |  | deposits shrinking, noncurrent p90 |
| 2015-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2015-12 | 2 |  | deposits shrinking, assets shrinking |
| 2016-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | charge-offs p90 |  |
| 2016-12 | 5 |  | uninsured deposits leaving |
| 2017-03 | 3 | capital falling | deposits shrinking, assets shrinking, charge-offs p90 |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | capital falling, deposits shrinking, assets shrinking | noncurrent p90 |
| 2018-06 | 2 | noncurrent p90 | capital falling, deposits shrinking, assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | capital falling | noncurrent p90 |
| 2019-06 | 2 | noncurrent p90 | capital falling |
| 2019-09 | 2 |  |  |

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

- 2023-05-24 [JOHN BROADDUS SIMPSON Obituary May 24, 2023 - Evans Skipper Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBHYm9fZ0hDTW5Tbk5JODMwRkpHWG9YOXJTSDRRaDk5WXV4Mk50QnJOcEo4eFJZY0xRVzY5dWlhb3pfRGs1cmJqRkIxcFphTkRiU1VFU1Zjek9fZURpUF9Ua1RoNEo?oc=5) · Evans Skipper Funeral Home
- 2010-03-17 [Help needed for Tyler - Early County News](https://news.google.com/rss/articles/CBMicEFVX3lxTE40dnJhODhhSEZsRUFwZU8yRVlLUktTdHhtd0dXY3ZKZUJsdC0wX2p0ZEZSc1BXbkl0WFpwdmwzNE52N3pYOF83MWdCNHVmMFhWQXhTLXVVVVRmelFOUFdWZHJZUjM2OE12Nm5pZHl2ZC0?oc=5) · Early County News
- 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
- 2021-08-24 [Frederick Otten - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMXRNM3BwOGRnT0xEZUtDWVF2MHNTakNZOUplOUFHTEI1MzRWTDZmcGtTdVIxMVYzOGE0UEJMRjk4SnUtd0xuSW1WeVktdWpfLW04Q2xqNkxhOXo4Zm9Fd05TOE1fTkN1bzZfY2ZPbVIyYzhiMmZvQVkzSHJJRENwakpJUG9FYkc1c2JDVjhWN3VDVFQtVFVXaFB0b01ST0xmZ1lwQ1B4OVU?oc=5) · The Norfolk Daily News
- 2015-04-22 [Harvest Begins (Barely), As Cotton Conditions Hold Steady - Cotton Grower](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWjNlMDVGSkxWQ25DUmd6Z0RDTFZ0RkVsTlVSS3JqNk9GMW03ZHVxNHdKNXhJWWJaT2RBUlJSZlBwT3dOODJ0QXpPNTNQX05Oc3F3anBYbUt6Wm1lREk1X2ptUzFkWGJLUlBoZFBJdXAxbmJFTkhPekFTYXBGOEd4aEYxa3ZVVUFVdXFrcTNVazFNMEpDdHdLaTkxZlfSAaIBQVVfeXFMT1R0c0IxeU0zZmljcTRDVi1TS2JaLTZJTWRKRTRNV3k4UmhLX0FwRTVDVU5Ra2QxOG5oSTc4cU9mUXNKZzY0UDk1emxnUjV4MXl3cmd0Qk1ZQ0FPVXNZR1Q1Zk9ZOWhZM1I2LUt0c2UxMDJJMWZ2aXY4WWtCTVBTUUZROEV5UFkzTmtIQ093Mjl4U0tLYlhVdzBzNXZLVTZCRVln?oc=5) · Cotton Grower
- 2021-06-30 [Dallas Moseley Obituary (2015) - Blakely, GA - Manry-Jordan-Hodges Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSlFYNGJPRGgwQjBhUjVaeU41U0E0Z2V1RnpmOTdSVjNKRnh1Ri12dU9haHBPNmZjS0NkekpWMEJxZFl4akJIM3BmTXlpd05zZlpwYk5KNXdTS0Jqc0tvRTBMUFVkWUR3VWp5QXJjaHdGWnJwRF83cEdGRE9rNVEzUTFJdXZ3QQ?oc=5) · legacy.com
- 2009-12-07 [PAT H. WURST Obituary Dec 7, 2009 - Evans Skipper Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE4tSS1NRU5PWDhKaTllRGh3SjN3UUpvVm9HdFJab0RrSnJPaGJWUm0wYW1jNW1SNVZ6NGZyR0xkU2hmMGZKbi1qMTBjS0JKZm9STWNFOW1RbWIyOC0t?oc=5) · Evans Skipper Funeral Home
- 2012-06-13 [About those local candidates… - Early County News](https://news.google.com/rss/articles/CBMiekFVX3lxTE1hMDEzZjZ3UmxraTE4SzZxZ2EtWWt4ODN1Y0lMZXZsbnlmR0R6OVFlRnc4ZWZZZDZzM0Q2eDlzRGpXQlN1OVo1b01CWHVUZWFkcEsxRmh0NHdneDBGcC01ZXlaU0xwWWRuNVVER0E1Yk1xNU5waEdlNjdB?oc=5) · Early County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35319 (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/55.json (key "35319", 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