# BANK OF WRIGHTSVILLE
WRIGHTSVILLE, GA · FDIC certificate 5699 · asset band <$300M · latest filing 2025-12 · 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 | $98.2M | |
| Deposits | $88.6M | |
| Loans and leases | $48.7M | |
| Total equity | $8.8M | |
| Loans / deposits | 54.37% (p24 of band) | 73.21% |
| Liquid assets / assets | 47.33% (p75 of band) | |
| Uninsured deposits / deposits | 22.85% (p61 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.21% (p46 of band) | 11.56% |
| Unrealized securities loss / equity | -27.30% (p15 of band) | -6.10% |
| AOCI / equity | 14.00% (p88 of band) | |
| ROA (annualized) | 1.96% (p87 of band) | 1.04% |
| Net interest margin | 4.08% (p61 of band) | 3.83% |
| Efficiency ratio | 52.54% (p14 of band) | |
| Noncurrent loans | 0.05% (p29 of band) | 0.34% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 2231.82% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 77.80% (p89 of band) | |
| Auto loans | $631,000 (1.30% of loans; DQ 6.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 3 | expense ratio p90 |  |
| 2011-09 | 3 | capital falling | reserve under noncurrent |
| 2011-12 | 3 | reserve under noncurrent | capital falling |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 | capital falling | reserve under noncurrent |
| 2012-09 | 4 | charge-offs p90, reserve under noncurrent | capital falling |
| 2012-12 | 3 |  | charge-offs p90 |
| 2013-03 | 3 |  |  |
| 2013-06 | 5 | AOCI drag >20% of equity, assets shrinking |  |
| 2013-09 | 5 | securities losses >30% of equity | assets shrinking |
| 2013-12 | 7 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 2 |  | losing money, expense ratio p90, AOCI drag >20% of equity, capital falling, uninsured deposits leaving |
| 2014-06 | 2 | expense ratio p90 | securities losses >30% of equity |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 2 | losing money |  |
| 2015-06 | 1 | reserve under noncurrent | expense ratio p90, losing money |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 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 | 2 | capital falling, charge-offs p90 |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | capital falling | construction >100% equity |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | securities losses >30% of equity |

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

- 2020-12-09 [Obituary for Pete Powell - Ronald V. Hall Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5pd0t6d1JoMXN6d2drZG9UNXlUZmRqYnJ6RExSLW9kQ3N4dXltSUtmZUtLQ1B3cDVEXzFQMU5pU01WZDZHb3JpSVJ0N3RqdjR1eWFxaTgxOGZKa2dj?oc=5) · Ronald V. Hall Funeral Home
- 2013-11-25 [Robert Newsome Jr. - Post and Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ1RwVVJXd2dSSlgwUWN4TTNDTm83UDZVS0FhbWg0dklsYXYwb09jZFR4ZUFPYWZsTXBoTzJ1VjhyUFZPWWVGN3NPMVdTUnR1a01fWEpqVWFEbnctYXB3dDFPRXJhM2dGa0sxSkVGTnJXTUFlMHpzTDhobzZvMHZmNk9ucDk2bWlmOTA1T2RJenJHbERSU3ZJXzZlbi1sazA?oc=5) · Post and Courier
- 2025-09-14 [Kelly Stone Named Chair-Elect of Community Bankers Association of Georgia Board of Directors - The Baxley News-Banner](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNbnI5TTBaTjdEVzA3UGt6eVFUbklpVDh2ZFJTV2xiX0RWZEpCeW1zR0lMM3NsalhSSkVVbUZUQS1ZVVJqUVVLaFppYjJVN3RBNFppZHpRSU9WTFRYQTJRS2pfRV9sdDB4SXhyelAzQVBnTW5HNWJjUDdvQ0poU3RKOTVDRzFKQmZKRUVlaXVYdFR0aEVONlV1X2RoRnFHdE1mUlNGcEpJMHNGV1lQMGlVTjVvTF9TdnRZMEJBenRMdThvVFNDU3F2RVp1dHBTckpHNDk0?oc=5) · The Baxley News-Banner
- 2019-07-10 [Obituary for Herschel Lovett - Townsend Brothers Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE9sSGloUF83bnVtMnlnRTJ1OUZqeERUcXdhZWtnc0c4bE5XUGlDYXBmdmh3bi1CVHF5TUduUmQ5ZnZ6cml1clRkV2RFblNLQXpBVFYxSGlKNkJjTXJpRmNYTmk4aDA2alllQUQxSA?oc=5) · Townsend Brothers Funeral Home
- 2020-01-27 [Flora Mae Brantley Obituary Jan 27, 2020 - May & Smith Funeral Directors](https://news.google.com/rss/articles/CBMieEFVX3lxTE9fa1hMeHR4Y2NzZzNVVVU0d25TUC00a29kSmxpbHFfTWZROUZnUjRmcDZZVGJjLWRIcVVFcWtJdzZlcW5UUmRYemhqVk5GdEZ2cVl0dXh4eW9PM0l1THBMUloxWFZVTFV4cmFEMTh4bF83UGt5ckdZdQ?oc=5) · May &amp; Smith Funeral Directors
- 2023-12-13 [James Donald Vanlandingham Obituary (2023) - Dublin, GA - Stanley Funeral Home & Crematory - Wrightsville - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdTQySEpidHM3Q1VQU0tNeEoxdWlicGQydXNPZWdjaDlZOGFKWWs2SFZ5VDhoY2c3Ql94Z1FvUkMxNGdGdHJsRW5IN3NXaTNXSXJZU2ZWbUJlWUl2SWZoUk9jQi01dVlWNDRWZFZYUXVaUWdqTFFkVWxmdnljUGh6bUt5MmEzR0p2Vmc?oc=5) · legacy.com
- 2023-05-30 [Lynn A. Thompson Obituary (2023) - Dublin, GA - Stanley Funeral Home & Crematory - Wrightsville - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPbk1iS2N5V0hyaUIzU3RNbmRwcHdUWEUyRTlHT05Ta0RJY0JIRnhLdGFNTG1ac25fSXU5Sms2LUtxM21JMko4Nzd6cnNpeFJycFlCTGlWUlhreU9fNWRFM2NEZGcxSk02djV6UzY2ZzNkSWJ2NU1wcW5BbUNlWW50dnBB?oc=5) · legacy.com
- 2026-06-09 [Carolyn Moye Zeigler Obituary (2026) - Wens, GA - James Funeral Home - Wrens - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaGh2amNTTmFFV1ZHM21ZWmN4RldqbTBpcmliN19lVXgtcGh3aldOMVI4a2tLcXItWlBlTTFWUzJrLU4yQ1oyS3ZnUjdObFJMWFVmQVpudWxUOXVkWmRYNU1yd1dwckVRR2hSak9yNEREUlFnUGszSm9YRjAtcmJkeDV0Umg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5699 (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/3.json (key "5699", 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