# NATIONAL BANK OF GEORGIA
ATHENS, GA · FDIC certificate 35338 · asset band $300M-1B · latest filing 2016-09 · 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 | $415.3M | |
| Deposits | $323.2M | |
| Loans and leases | $356.9M | |
| Total equity | $43.5M | |
| Loans / deposits | 109.07% (p95 of band) | 84.10% |
| Liquid assets / assets | 11.47% (p9 of band) | |
| Uninsured deposits / deposits | 31.37% (p81 of band) | 20.48% |
| Brokered deposits | 0.39% | |
| Wholesale funding | 11.82% (p73 of band) | |
| FHLB advances / assets | 11.43% | |
| Tier 1 leverage | 10.43% (p55 of band) | 10.18% |
| Unrealized securities loss / equity | 0.36% (p19 of band) | 2.01% |
| AOCI / equity | 0.14% (p20 of band) | |
| ROA (annualized) | 1.21% (p71 of band) | 0.94% |
| Net interest margin | 3.75% (p61 of band) | 3.61% |
| Efficiency ratio | 50.21% (p9 of band) | |
| Noncurrent loans | 0.02% (p6 of band) | 0.65% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 6093.15% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 69.60% (p77 of band) | |
| Auto loans | $749,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | loans exceed deposits |  |
| 2012-12 | 0 |  | loans exceed deposits |
| 2013-03 | 1 | loans exceed deposits |  |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 | liquid assets <10% | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2026-01-11 [Tommy Warner, Obituary - Athens, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1iS3dSLWc4cFFuYkJLMWlyMkpTeWM3Wnk4VzRHYUZ1V2R0bUpkUm9tT0w0Y3Q4b1ZNYWpzS3ZkZ0FJU19Sc1pMam9Cb0I3NV9KQmJRQ1F3TTNaQ0dSckk3bEhMWkJmbHYweEJYRmN0UGdxV3hUWXk5VkJiZE1qMFk?oc=5) · Dignity Memorial
- 2014-05-16 [Papanicolaou named group VP at National Bank of Georgia - Online Athens](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdDljV3habS1NRjVua05USnc0R3ctdWZvR0VBZElVa3RuWWZub2w0U0RVckhkNE9mZ0kyS2FRZ3NUN3J4Z2pQZDhQSXdBbV9mTEt1VnVVM3EtVEpXbW1NaGwwQ2pRVG5HT0NzOXFMbTZWMUdyeWlhWFFMWGlIbXpjR0VYQTlrWkpwR0F6RUpzWXcyWGxLeUlDc25LNUdlMWtyeHFvTmNLYnhqYl9YQW1XQ2pTUWRidnVw?oc=5) · Online Athens
- 2011-02-15 [Bank of North Georgia Vice Chairman Retiring - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOTGd2b0pXTHRPMGt0bWk2SEpac2RLelRMVVVYeFgyTGpLNXZEWHVhMVBDYzE0YTBscFloSXNNQ0ZqZUZtVERBMndJN3J5d3hyRzNsQ3YwQ19IdW9YN0dFVXpSb0NTMzlUeUR2Q3hsbWw2S21ETS1YSWs4cmF2alJ1QTNjZ0JQZVpa?oc=5) · Patch
- 2020-07-22 [Regulators review plan for Classic City Bank in Athens, 1st new bank in city since 2005 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOV0RaYjlueE9jclNMNThlNEI1ZDBENURTWTh0WXdfYVZCbWMzY1VfRm9USE5YZ1FqcV9jNWl1X3JObi1RYzNPYVIwQ2hhaHFMbU1zWVVTeW5wQmpobFZNY1BPdF8yV2VoZi1yQjBJTEFDU25QOHBsLWR0TTFzWThQdEhQYU55bUZ4bnBCN1NIbE9MVDVCTlpKLThvN0tiZWJqakZV?oc=5) · The Business Journals
- 1979-05-23 [Bert Lance, 3 Associates Indicted - The Washington Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNS3NtaXo5UTR6X1h4QWhTZjJKSk1qNHdLa09rV2hYVXplRGQxRmR1RHNtVTllbkxLdlZ2U2x4Wl9SU01KTHA5WXRFRXNMMWhGRjVRcVpNWmcwRURZU1VTdTMydDZEdUpXdWdIRWp5UHhSVWlXdkZIejUwbGRfQklDenI5Z25DODl1T25hdk5LSWcySHRGNWhkOW5RNmNPVlhTMndDOUFraXl4djlxUjlsVjk3NWY4cVViQzBYQWRPeGt0MVFQNG16eg?oc=5) · The Washington Post
- 2013-08-15 [Bert Lance, Carter Adviser, Dies at 82 (Published 2013) - The New York Times](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRkYtU3hVZnljVzRUbXBkdXNoNkVqZ3hyMXBaeE9iZmF4bFl0VzVoSm92N1ZpV0dJd1VHUVNSZE50RVFvQ3pLdzJjZE5uSEZvTE01X292a1NoajlPM3VYN1h6OEQwVWk0alB3M2dGSjYtV1gzeEhzUEw5WDloWkFRczRmOUl3S1JlMUdVVWh1YVlZQQ?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35338 (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/10.json (key "35338", 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