# ROBERTSON BANKING CO
DEMOPOLIS, AL · FDIC certificate 39 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $462.7M | |
| Deposits | $399.5M | |
| Loans and leases | $314.7M | |
| Total equity | $51.1M | |
| Loans / deposits | 77.58% (p40 of band) | 82.04% |
| Liquid assets / assets | 28.64% (p60 of band) | |
| Uninsured deposits / deposits | 27.73% (p58 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.73% (p39 of band) | |
| FHLB advances / assets | 1.73% | |
| Tier 1 leverage | 11.26% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -3.88% (p68 of band) | -8.10% |
| AOCI / equity | -1.89% (p9 of band) | |
| ROA (annualized) | 2.04% (p87 of band) | 1.28% |
| Net interest margin | 4.29% (p72 of band) | 3.91% |
| Efficiency ratio | 52.38% (p23 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 1170.86% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 27.06% (p33 of band) | |
| Auto loans | $575,000 (0.18% of loans; DQ 6.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 72 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 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 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-04-28 [Banking company sues struggling Birmingham restaurant group over $1.1 million loan - AL.com](https://news.google.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?oc=5) · AL.com
- 2026-04-28 [Alabama bank files lawsuit against hospitality company, Nick Pihakis, alleging loan default - The Business Journals](https://news.google.com/rss/articles/CBMihwFBVV95cUxOVW5TWUZteEs5VTZjUGJFeVl0RlZzdmNqZUhkZ3lUT0lRYVBEYXBxQk80ZFY0V2l0T0NaYkExX3hwVjdYVFVoZTZnbGY0MWl2Z3hGSW0ydTRMbWF3cVVqLV8tUXZaS2VMemd4MVlzbFZFQUtGVmFPNTBVcEJoRTdoNGRKb2RpOW8?oc=5) · The Business Journals
- 2016-03-24 [Holemon named CEO of Robertson Banking Co. - The Tuscaloosa News](https://news.google.com/rss/articles/CBMisAFBVV95cUxONEJuem10aG0ycWQ5X0dGUGZKa1NmenZ3SnFZNGlQWks2ZzdaTjI4U0hvMlF0TExYTWxqNWcyUlU4RkI2U0Q3X1NlNS1YN2Y4TlFCZDNPSnItSHdyeDRpVVRuS0ZtN0NiVHBaSTYxaS1heEowZ2lkS25ic0JqLTZiLVduV3QzWjhJMUdxU1hQdHdBTGdTWXJDMEZlZ21mWEZjUDVIRUJuS29VU0RIQnV0cA?oc=5) · The Tuscaloosa News
- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2015-10-02 [UA alumnus Gary Holemon to lead bank in Demopolis - The Tuscaloosa News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQc29ZZWRNZ2c3YUt1UmlsTE1ScmFEQjhyMlhFZkFiUU9aX19rU01IN1RyTzR1NlBmcnZkTUxpT254d3NNOUpTYXNueFVBLTBsTE5rQTdwQkI1aXpfYTVxdWRIMlI0VDhTRDFGVmc5MVJKcXNoYzhOaEs3S1RzbFU3djV4VU5PeExuYXZVcm5nMTNreE1kVUNHR1lhOVZyeTVORDhQT1pWMFIxNGVjTlN6ME5LalhJdw?oc=5) · The Tuscaloosa News
- 2017-03-22 [Regions, First Commercial vet to lead Alabama bank's new Bham office - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQaTVBWmg1OFJIOEJYV3BqemJJcjBkV0QtTkcwMDlsLUZZb2x6bUJSaGJSbWFIbURQTHRwLUNTV0k3YWp6cWhGTkFxM2VCQWttamhSbDZHMEI3bmROcHd1aHZuNEIzS0J4eGFtUHRzNTRSMldRa3RFQjI5RVZuRlRYanFvUjB5dk9YQjBCd1VvNlVqdDRUTHI3Z1Z1Yjl0NXozNHhhSFQzMEw2TFNiVXV3?oc=5) · The Business Journals
- 2026-04-29 [Landlord seeks $8.2 million from Pihakis months after massive Shelby County restaurant development opened - AL.com](https://news.google.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?oc=5) · AL.com
- 2026-08-07 [Nick Pihakis lists $44M in debt: See who's on the creditor list - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNRTk2UVNKSDVTS2VLV3dpZ2d6cE9JVjFPbm84MTB4VllnUF80Q3Fqa2Q2NDk4VEtaR2RjTGUwTndCQkdHcnFoaXJFeENRWTlmbGpWUm90SHJlMWJsN0hlclhrSEVFdXp1V1BhNmJ0Qjd5UXB5WmlIbUE0UkR3YXBpZHVfd0hHNjFlQmtuQnRnUzhPakxUWWViNjhjX2g0QQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=39 (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/39.json (key "39", 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