# CHEAHA BANK
OXFORD, AL · FDIC certificate 35514 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**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 | $238.1M | |
| Deposits | $206.3M | |
| Loans and leases | $121.7M | |
| Total equity | $30.1M | |
| Loans / deposits | 58.36% (p39 of band) | 64.60% |
| Liquid assets / assets | 46.03% (p61 of band) | |
| Uninsured deposits / deposits | 20.88% (p61 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.33% (p70 of band) | 10.53% |
| Unrealized securities loss / equity | 4.74% (p88 of band) | 0.67% |
| AOCI / equity | -3.10% (p23 of band) | |
| ROA (annualized) | 1.39% (p70 of band) | 1.00% |
| Net interest margin | 4.07% (p81 of band) | 3.26% |
| Efficiency ratio | 70.13% (p55 of band) | |
| Noncurrent loans | 0.01% (p23 of band) | 0.41% |
| Net charge-offs (annualized) | 0.01% (p80 of band) | |
| Reserve coverage of noncurrent | 8960.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 54.18% (p85 of band) | |
| Auto loans | $4.5M (3.68% of loans; DQ 1.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | charge-offs p90 |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |

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

- 2021-04-02 [Cheaha Bank acquired by Louisiana-based Investar - AL.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQelNadHlRQjVUd0ZGYlQ3VmxxZFZHRWJQQXg1TFJnajdfN2tJX3NRNUJqWGtndkNET3FFY1BxdVFEdy1wM1FTMk0yZjI2XzVwZmFWTGhuSDlqdXFEVXc3bEtfTzF2WkpoZlFOUmdncjVBVkxwbHpGOGpITnAzWUY2TExMNU9LYUtOMzgzX0I3b0s5ajA?oc=5) · AL.com
- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · Business Alabama Magazine
- 2019-12-20 [Cheaha Bank to be acquired by Louisiana-based Investar - The Anniston Star](https://news.google.com/rss/articles/CBMi4AFBVV95cUxON21OSkViWnNhbWhfdEhaekNhUkk4YTI3ZUFCMm9oYm05OEE4eUNTOXZCUU8tMmNhTzFDOUppTTN4YmsyN2NNc1R2YmdGYkdRSDRzQmdDdmZicFlNTXh3OXUzc1VCZEhmZUdLN29kcjR1T2JVTWZfOFhuUEwta3NFeGl2QXFhbUdSSi1CX1E1NFEzN0dTTG9EcjJtaVZvV2VmbURtYXBtM3YteVZuMmdKemRueHdmaHA3aXMwTUhSQTBUaHUtTEdkOUp0eDV0X0FQX0J5UjM0WlctOXFTMWdoSw?oc=5) · The Anniston Star
- 2019-12-20 [Investar Bank to acquire another Alabama bank in $41M deal - The Advocate](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOLTNZcUkyZWtadmFmcDNmSmxjZVNNMU5uX29ydXZSUTV1dDkyWFR0ODFTWkhCTmM5R1JPbzhYdU9rQUo3eVJsWmoyUmhvV2pRcjBWSHNFdEpDTHN3VldRd2ZBRUEtQkZ4YjFuT3J4UkxnOVlvSWQwQzRvMmRKODFLMEtpVEFwMTlQdGFMWmJBb2NyV1VFNUM0bEVqVFloXzcxVzUtc1ZhaklET2lGZFJOa0VTT1JPQjJjY3dOODdrQmxhV3lMUHF5dk1kVDR5d2N5WFhmYm1QZXZKUXlmMEpyWGNOSVJ3MWhLSDFNRkJjaldNSHM?oc=5) · The Advocate
- 2021-04-01 [Investar Holding Corporation Announces Completion of Cheaha Financial Group, Inc. Acquisition - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxPeEZGS1NSQlZQZWxLX1ZBVjBrcFgwZnVHUVBIVG5SbWhJUmtJb3FidU5uMWRiNWsycVBEdU1NOVByMGhDNEFsOEM4QXNjOXF1SFdtOExtZDUzM3I5MklYZ05heTRyVkFkTGt1ZXp2b09aMTBOdUlEcHBnQUdjcEFLN3laTUVWbUxFdnJ3UGRLQUNZS1dOVWkzLTllSQ?oc=5) · Yahoo Finance
- 2026-05-27 [Nova Bank was built for relationships over scale - Business Alabama Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZl90NHBlR0NwcEJmNkNoc3h2ZDBGUE44RjRHOEJ3bDZZODEzVmg4SGx3X0xwWkg4RzkxUTBwX1A3SnNLeHZvWkFfalZmZHcteU5xVUY5cmdYSS1SeEtod0lTWGk0MmVxalQ3WFl4Y3ZYRUJOZld1QjdLd0twUWRkaFBrRQ?oc=5) · Business Alabama Magazine
- 2021-03-31 [Peoples Set to Acquire Premier Financial Bancorp for $292M - Banking Exchange](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVHpCa18wYlV6b2ZGOXZhYXJ5eGhrZWpDNFBremludDJUaElXN3o2MlI0c2d1S3lubkhiMFBhUDRzbExsZkMtQUp1OFZrZ2dIVzZyN2t5V0loQzhWUmVWTUkzQ3RkdlRTMWZxcEJUUUpjbDVWM3ZFVjZ6OHVvWnpkRXFjSngyUmlmNjViR0ZjdEhmRUJUbEpRdTVLbWRpSUp6MnVhZ2szNVF0aFU?oc=5) · Banking Exchange
- 2020-04-30 [Hugh Miller Obituary (2020) - Oxford, AL - The Anniston Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNSWROQ2h2RWx6NDlFamhVTUFIMEk2SUV3OURGSVM2Ri1mRmhHdVlqbHRrOWlPb0V4QlNuUXBEZFUyTG03RmpPTXdlRi14d0R2dGtMX2xJZ1JuMkxjZllua2prQ2dQS0VZZGFZcVpWSEJKYmJDaGg4TGswZDU2UWNvLTJsRlJDMUxzcjhFRzJKTQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35514 (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/58.json (key "35514", 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