# BANK OF WEDOWEE
WEDOWEE, AL · FDIC certificate 5608 · asset band <$300M · latest filing 2017-09 · 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 | $127.9M | |
| Deposits | $110.1M | |
| Loans and leases | $67.8M | |
| Total equity | $15.1M | |
| Loans / deposits | 60.97% (p26 of band) | 76.19% |
| Liquid assets / assets | 39.26% (p67 of band) | |
| Uninsured deposits / deposits | 9.64% (p26 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.56% (p47 of band) | |
| FHLB advances / assets | 1.56% | |
| Tier 1 leverage | 10.71% (p45 of band) | 11.02% |
| Unrealized securities loss / equity | -0.79% (p20 of band) | 0.02% |
| AOCI / equity | 4.33% (p92 of band) | |
| ROA (annualized) | 0.91% (p50 of band) | 0.90% |
| Net interest margin | 3.94% (p64 of band) | 3.71% |
| Efficiency ratio | 68.03% (p43 of band) | |
| Noncurrent loans | 0.48% (p45 of band) | 0.62% |
| Net charge-offs (annualized) | 0.10% (p78 of band) | |
| Reserve coverage of noncurrent | 195.09% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 51.55% (p81 of band) | |
| Auto loans | $2.2M (3.23% of loans; DQ 3.52%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 30 | |

## 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 | 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 | 2 |  |  |
| 2013-09 | 3 | assets shrinking, uninsured deposits leaving | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

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

- 2023-10-02 [First Bank of Alabama has been serving Talladega for 175 years - Business Alabama Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxQU3dpV3A2UGt4bVl4a1pjaXNxMWk2U29ER1F4OHhFdWNOd2N0OXJiUlIxT1ZsbXF6a1ZLS3pwMHlUVzBDTzhicTNHbE1LZUNoX013WEdTWUMxNzZUNU42U0k5ck5lc3RRb0xkSk1TZjVlQUpzTGtsWVVpX1o2dDVNdlZRdjBXZXQyZnJfTGZoU3pob3NvNmc?oc=5) · Business Alabama Magazine
- 2017-05-24 [First Bank of Alabama acquires Bank of Wedowee - The Anniston Star](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPTGJLODNhZ3lLU0R0aTRDX3djcEhsUXQ5eWd4TW1PMGlXR0pNVmpxWElZWG5RZG1rdlFwN0pORkxXc00tbmFFNHpQaGZ0SjFwZVRheXhEc1huRjJCQ2pfSVBnMEFSeGk4VHRJQ3ZRWEI2RDRreWl1RE1IMzBzTGo1d0luc2ExUWpHdXdzaEttVjJTYTMwV0FCZ2tDbXM4bjlTY0xpSUdZaXpmWnVlTVMxSlRRdlpOLUFvVDdtVHZMUkc2THVBZFd4QmVCOXlZdHZKdm9lU3FLcw?oc=5) · The Anniston Star
- 2017-05-30 [How First Bank of Alabama CEO Chad Jones came home again - AL.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE5xZGhXT3FSdWQxMU9ISFF2SVRzeUVIT29KZW9ZNldMdDNDY0NIQU50TVQ1MGt3eWRsZHZJeUJxaURNOF9FcXR4UG9iWTU4eWxLY29NNEF3MGdObnRPd0FHcU91dXBZVllnVGExX19qNlFsaDZoZTNxc3p3?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
- 2021-10-08 [Glenda Hale Obituary (1939 - 2017) - Roanoke, AL - AL.com (Huntsville) - AL.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOWZpcWs3TW14N2xuTE5qRlV2cEVzMGNISy1GeEdYUjE2dnpHWHIzRW9DYUpHNndySzhXNHYwcHFmbUQ2bTAwd0loTVRRbXo3QlJ5TnFnSHdHMnNoZGtFenR0UVBaZFRIdzBBeENzb2VkYy1BS2I0ZERwRUwyXy1Gc0J0Z3pPMnlKREUw?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5608 (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/40.json (key "5608", 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