# CENTRAL BANK OF GEORGIA
ELLAVILLE, GA · FDIC certificate 5687 · asset band <$300M · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $278.9M | |
| Deposits | $266.6M | |
| Loans and leases | $187.7M | |
| Total equity | $1.4M | |
| Loans / deposits | 65.98% (p41 of band) | 70.28% |
| Liquid assets / assets | 26.09% (p32 of band) | |
| Uninsured deposits / deposits | 2.71% (p15 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.59% (p57 of band) | |
| FHLB advances / assets | 3.59% | |
| Tier 1 leverage | 0.45% (p0 of band) | 9.92% |
| Unrealized securities loss / equity | 17.31% (p94 of band) | 3.23% |
| AOCI / equity | 10.13% (p95 of band) | |
| ROA (annualized) | -4.90% (p1 of band) | 0.69% |
| Net interest margin | 3.45% (p26 of band) | 3.86% |
| Efficiency ratio | 122.13% (p95 of band) | |
| Noncurrent loans | 15.76% (p99 of band) | 1.38% |
| Net charge-offs (annualized) | 1.75% (p95 of band) | |
| Reserve coverage of noncurrent | 39.84% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 2459.91% (p100 of band) | |
| Auto loans | $3.6M (1.92% of loans; DQ 11.14%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 57 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 10 | capital falling |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-03-07 [Bank president dies of self-inflicted gunshot wound - WTVM.com](https://news.google.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?oc=5) · WTVM.com
- 2011-10-07 [What’s closed, what’s open for Columbus Day - Macon Telegraph](https://news.google.com/rss/articles/CBMigwFBVV95cUxQejMzZ3MtaC1qcmJJYW5lS09WMmppX1FCdWpJZHlrVXZydlNTbU5GMzFGaGg0RGpLQ0RfenFSY3k1R2dBTjVSZ2lUMVhGYThoMkFWSkZseDljaENDOERfaW1QaHloNWdfbHpNcVAyeFVaQzEyMTQ1djF6cDd5QW02ODdnONIBgwFBVV95cUxQSThMNmRvSE9rR1lJV1NuVDQ3NmozakpRLW9XcFhudUduN0wtWEFlTlBVM3hLWjVmWVprRFJCb0xESm9QSllHTkNiZnF1NXZVMTFxN1oxd2xVOEt4dVFqdl9LU1Nld0tNTnFhczY1RldWV0VkM2JqZjZycGMzZTVMU0JZcw?oc=5) · Macon Telegraph
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2012-02-27 [FDIC Closes Home Savings Of America - CBS News](https://news.google.com/rss/articles/CBMihAFBVV95cUxORTJUZnpINzlDU3RCQkM2dzVoaGV0TThUaV9GNmlpTi1wX20xMTh3UzFUM25CNDByNzBzOUhRMU5xTVMyT1hYZ3ZIY0ZsYUdHNThmc3ZXVHJXcTFUUThCWU9XbGkxWUJnNTBMbE04RVo1MDI0dVJhb2dKV3RnbWhNeGdVQmw?oc=5) · CBS News
- 2010-04-08 [John Thomas Mitchell, Sr. Obituary Apr 8, 2010 - hartsmort.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE90UFV6aGhpb3NrVTRqWkdBVmdEaWlfd3Rid0lHb2pmeU02NjRHWGhiclMxdGxkM3l2dUdwMTNZS3NXM2kyYjdnU2M1Y2piV1F2TEJHNU5GZHlDa0d2V0t2a3U3RQ?oc=5) · hartsmort.com
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2018-12-21 [Unpaid judgment on Few's record - The Augusta Chronicle](https://news.google.com/rss/articles/CBMizAFBVV95cUxNbTM2YzlGbDFiOS1aY2FEWXI5bWRnVDFtaDE0VzJKYXRLTVd0QjhhWklvQ2JDVjFQSmVnR29VWXlzajVocGFhd09tYUR6TThTSlJYVjJDZkdlX2hXbUpfelVLMTVOX0w4MTA3LTdsSnZWY3o4T3FWR0d3cmlVWVBFWTJ3NEZid1hIQ21PVGgwc2hDUlJTb1ZmbnhGZ0Y4SUpMT2xkdmJBWmgwVmZPUnN6RnVtNS1iYjJTaXFGcnprcGw3NXpkMXNaazA3Mkw?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5687 (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/55.json (key "5687", 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