# BANK OF EDISON
EDISON, GA · FDIC certificate 5686 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $83.9M | |
| Deposits | $78.6M | |
| Loans and leases | $50.3M | |
| Total equity | $5.1M | |
| Loans / deposits | 63.10% (p35 of band) | 73.59% |
| Liquid assets / assets | 38.26% (p60 of band) | |
| Uninsured deposits / deposits | 26.52% (p73 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.08% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -51.65% (p6 of band) | -6.57% |
| AOCI / equity | -1.86% (p14 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.17% |
| Net interest margin | 4.41% (p73 of band) | 3.93% |
| Efficiency ratio | 68.66% (p57 of band) | |
| Noncurrent loans | 1.79% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 82.18% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 11.39% (p40 of band) | |
| Auto loans | $1.7M (3.34% of loans; DQ 17.01%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling, assets shrinking | AOCI drag >20% of equity |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 2 | charge-offs p90 | capital falling |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 2 |  | losing money, expense ratio p90 |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 3 | reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 2 |  | uninsured deposits leaving, capital falling |
| 2026-06 | 2 |  |  |

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

- 2024-04-05 [Long-time Edison banker/basketball coach Frank Miller retires at 83 - Albany Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZGwtSEJUb0RQZlpGckduOFFrT3M4Z2lBOXhWaktvV1lJaFlzalJZd2NWWm1yOFBlVkpXN0FYZmRlcmVWSDZyWDFhWG9wLWhhZzN5ZXEwMVFTODk1NGNUYVpHRWZMTGFxSmpzYThfTW5CZU90bGxpUC1UOXBUVzAxNmcxTkRKQXFkajNyX1M2RzlzYUJUZl9LWDJpSlJxVFFMMFprbllLZ2FJVDA?oc=5) · Albany Herald
- 2023-01-20 [20 community banks with the highest returns on average equity - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1ItODRmREg4Z2FfRExlTXpzdWZ0Y0d0UU5QNk1tV2NOb1RCWWU3U1JYMl95N3Q2WTVTRnRsVmtiX3AtSTNzMk1YV2dUcS1KOFljVG42NEdKbG5KUUdsR2pKczFTd3ZfQWlRUUFORllnc1c3MmFyZFNzcEdVY2ROMWo4REM5eFlZQWJqQzJjVzlndE5hT1hObWU5bDRiZw?oc=5) · American Banker
- 2024-05-22 [Carolyn Bruner - Early County News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5MWU9qWkZORV9qdGxFUjR2WTVYbl9qdVhybVZJcXNSQTZJNjZENkU1Qmd2T3VnVFdvTnI5aGJ1Qk9DOFk3YmwyN01OM0dTbGJlTVBHVEZmQzlZdm5reE5raldkMUJNVnc?oc=5) · Early County News
- 2021-09-10 [Lola Carol Howell Taliaferro Chambless Obituary Sep 10, 2021 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE1IbEVqYXFQaktQQUwzUW02MFJGZC10Yk9iSGRZNUM5aGZVYWl0bzVPTDIxZGxBQkZUalNHNTlZa0lWMHJWWTFCS3RhSTA1d2ktbFZkbkJmTl9TejIwRmRKVnIxMmxMR014SURWWGJheXcxYlNF?oc=5) · Mathews Funeral Home
- 2024-12-22 [City of Edison’s debt, missing audits stress city residents and Calhoun County officials - Albany Herald](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQRDg3SmtOeU1Da3dlOHVMZkx3WkFzd0FnWlZsbTVXcU84bE91MTFvV0VrbTVRTElzdkZ4TnVnVUI4eWs3RFc4TGJOLTJqQXByWV9UVWo0elpxVENrRnNIOE5TYzMzTVQ2QzAzdVgxUUZKY0FzZ3hta3VYMUpyb0cxVThRR2tYN3NZSFZkRzNXaTFncW5rczZVNmd0cGp0M2g0bnJiTUZJellMbS1YLU0yclhrczk4ZDBn?oc=5) · Albany Herald
- 2026-09-07 [Martha Juanita Gaines Obituary (2026) - Arlington, GA - Manry-Jordan-Hodges Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQdEJ2YVJleWZ1ZDBJdUFGYTVuU0x5bE1lbUxvV1QxZ01LaldiekxtU3Zweld5S1pWZUNDNmZDLWh4Nm92NGdTSjRLLVl0YzJFR1Y4dmlIVEFRTmtIVEduLWh0MGdCZzU1MV9obHhFN0R2VFRLNloxRFlpYzBnZm5ZZTRB?oc=5) · legacy.com
- 2015-12-26 [Mr. Robert Walter Dews Obituary - Visitation & Funeral Information - Kimbrell-Stern Funeral Directors](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1NR0hXYkd4S09JQ1ZCeEdfaGFSbHgyT29ycWlPdHdCV3ludFBVU05xemNKMGZZaDNZajZBaHc0QkhFT0Y0V0hDZF91akh2VmV5VE56cV9NMDJGWWN0T21KR3RYQUtOZw?oc=5) · Kimbrell-Stern Funeral Directors
- 2023-01-25 [Southwest Ga. volunteer Freedom Fighter injured in Ukraine - Early County News](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaDlSVTduV3U5QkpjMWl1cGNoU0pkYURlcVItei1ZTEZ1UllYUHUyV0o5eHZNbVVLZC1xOHdLck9uV3c0Q2gxQU1tLUZpRk4yNGZVVFB0VF9QSDUwSHJ1YVZULTBrajRNZEZoWFNkWVRDU1QtdWFpU3VIOUtqZUZrd09jSEVCRHk5NkkzaTljY3FUQV8tNjV3d2IyOTA0dkxN?oc=5) · Early County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5686 (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/54.json (key "5686", 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