# BANK OF BROOKHAVEN
BROOKHAVEN, MS · FDIC certificate 35439 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $262.2M | |
| Deposits | $229.5M | |
| Loans and leases | $148.0M | |
| Total equity | $28.7M | |
| Loans / deposits | 63.91% (p36 of band) | 73.59% |
| Liquid assets / assets | 39.51% (p62 of band) | |
| Uninsured deposits / deposits | 44.23% (p94 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.64% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -11.92% (p36 of band) | -6.57% |
| AOCI / equity | -0.61% (p40 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 3.81% (p44 of band) | 3.93% |
| Efficiency ratio | 61.47% (p39 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p55 of band) | |
| Reserve coverage of noncurrent | 3972.73% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 5.52% (p30 of band) | |
| Auto loans | $1.4M (0.98% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | capital falling, deposits shrinking, assets shrinking |  |
| 2018-06 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-07-31 [Co-Lin Foundation welcomes new board members - Daily Leader](https://news.google.com/rss/articles/CBMihwFBVV95cUxPSjByXzBoVEtLeGZfODVQdkJEaGZ5bnJoTy1YOHhqY0JnWEkxY2FvejNQUnNJZzRyWWp3cDRaT3JMQ0RMalZlTkhGWnFDUmE1bnNhR0tGZ3RnSEJtT0s5cUlBSHA2U2dWdEhTSFVSNmNGTWMzX0V0M2RZTW9EaDNvVU8tdHo4emM?oc=5) · Daily Leader
- 2025-02-05 [25 years of banking at home: Home-grown business celebrates a quarter-century of growth - Daily Leader](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcWZBWTdHX25lQUNtRkVRUHAweEtwallKTzB4SzdrNlNjeXpyUlphN0NoNlYwSFB1eTJNZUtCM2xJLXBUUkJOMnpKMWtaSjdYcUlibTlZYXZCeW10aF9yU25kVWVjNUMxQWh3dG0yS0hFS0JpWW1vRHdlbWk4SXZoMktzT0NIMzBxU2xOckloX2VoTGd1Zk5SNktFeGNuVE5ueUxYX19hLUQ3T2RiY2M3R2JJRHNCOHVFNlVYekpqSQ?oc=5) · Daily Leader
- 2015-01-24 [Bank of Brookhaven names president, vice president - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiugFBVV95cUxNWHRfcTN4MDlSNHphcEY3NkJ5ejVRNWNuVXF4Y01qemdNZE1ZTjJKWGVUWWRnMEQwSU5GMk8waks3Tm92eVdXMnpzS0V2RFhYNk5Db2o3OTlJdFNPWmpjUjY1ekFtc1hJVnBWdkpIWWhpTURuVmlzU3VOczBuQ3h3b1U4U2Q4bkdmTmt6TV81cVZhR0dDdHpEdmxsT1RDYlVjWmNqQWVXUXMwYzF0V3ZvWE9Fb29DOFJUYUE?oc=5) · The Clarion-Ledger
- 2024-12-08 [Bank of Brookhaven names new CFO, Executive VP - Daily Leader](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOWRPbnMxa19QM05jby1QTnUxN1RIYlN6QTZFaVlvdnA2QWtjelVqWVlnREhZUzZSb1ZCaTl4UnZkVEdPbk1yb0RTVnh4U2xPU0hqaHkzbVZuaExzTGFWVTZQRlZkcmNVWS1wTjJydHVDU0c2TnY2dGlvLUNrR1NYVHFRUEVuRzVO?oc=5) · Daily Leader
- 2017-08-22 [On the Move: New hires, promotions, recognition - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbmlOVUZNdHp3NE5DOUk3ZWlGelJhcmEwWndwb1RBaU9ZV0d3UW55X1pXTVZqaGhrQjBPbU5rb0FLaDhzQUFaZEYyWVdBamRuTmFvb2V3dzQyODhqX1U4Y19yTGhsbHpOZXJaQm9YamVzVFVxM0JQakdtSGRrYlVZSy0xbzc1akk1OFdhMkl6bXRlSU5PckFqZXdVRThSUzdHRHc?oc=5) · The Clarion-Ledger
- 2007-07-25 [Raymond Davis Obituary (2007) - Jackson, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPT0JmREZST2ZiV2EtemJfVDlDT3BlLWpvRklsdjFCNmVfOFJQTGV1WG9kYjFTTkc0aGN1RFplODlqX2lPWkJWRHN5QjhxQ09JVFo4OU9SR1lId2lBRVlKM3I4djJ3SnBQRlY2SWwxQjA0N0wzT2RhSlJkT0wzQ2R2OEx5UzNEY05vUmtPT1J6M3Zwc1VB?oc=5) · legacy.com
- 2025-11-26 [The 2025 Holiday Food Pantry Drive has begun! Donate now - Daily Leader](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZTBub055b0ZJaGV5YjZDNDV3NV8zR281MlBrbDBGMU9QQXhYZ2hELUxIbUJNZlhETHI3OGdwX2owTklKNGZZZk9Hd1NrX2poT2I3czJkQmd5T3Q5Nk9OQ1pVVHBsN1FuZENXbXF2UlZULUxmUlRBcm0xLVc3aFp5eUg5cFV4MzRRVnRGRVZla1I4NEFYd2c?oc=5) · Daily Leader
- 2026-02-25 [59th Krewe of Ceres presents Charity Ball King and Queen - Daily Leader](https://news.google.com/rss/articles/CBMilwFBVV95cUxPd2xaeTBUaVRxb1BKMDB0QnhPajBQajlhSWVTUWJuTXZtX2xVZ05ZX2VuWndSSjhSa05EbE8zTWlGRzFxdXJ1ZFc3T1k3cVZhN1BNbVE2THltUmxnOF9PM0RqSnRmdC02MW9PdzN2dXRnbE1sbFlTbmFIbUJpOWx6WkFzLVBPc0lDNEMzcGZpTlU3U0JpOVJn?oc=5) · Daily Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35439 (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/47.json (key "35439", 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