# BANK OF NEWINGTON
NEWINGTON, GA · FDIC certificate 5704 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $333.8M | |
| Deposits | $301.1M | |
| Loans and leases | $265.0M | |
| Total equity | $29.7M | |
| Loans / deposits | 86.38% (p62 of band) | 82.04% |
| Liquid assets / assets | 17.17% (p22 of band) | |
| Uninsured deposits / deposits | 18.87% (p25 of band) | 25.97% |
| Brokered deposits | 8.99% | |
| Wholesale funding | 8.99% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -1.11% (p85 of band) | -8.10% |
| AOCI / equity | -0.70% (p33 of band) | |
| ROA (annualized) | 1.50% (p64 of band) | 1.28% |
| Net interest margin | 5.00% (p93 of band) | 3.91% |
| Efficiency ratio | 59.55% (p44 of band) | |
| Noncurrent loans | 0.48% (p53 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 387.19% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 266.89% (p100 of band) | |
| Auto loans | $817,000 (0.31% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 | losing money | leverage <7%, construction >100% equity |
| 2011-12 | 6 | leverage <7%, expense ratio p90, construction >100% equity |  |
| 2012-03 | 3 |  | charge-offs p90, losing money, expense ratio p90 |
| 2012-06 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 4 |  | charge-offs p90 |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 | charge-offs p90 | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 2 |  | leverage <7% |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 6 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 4 |  | uninsured deposits leaving, liquid assets <10% |
| 2015-03 | 3 |  | noncurrent p90 |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | liquid assets <10% | charge-offs p90 |
| 2016-06 | 1 |  | liquid assets <10% |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 5 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 4 |  | liquid assets <10% |
| 2017-12 | 4 | liquid assets <10%, capital falling | noncurrent p90, reserve under noncurrent |
| 2018-03 | 1 |  | charge-offs p90, liquid assets <10%, capital falling |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 3 | liquid assets <10%, reserve under noncurrent | charge-offs p90, capital falling |
| 2019-06 | 4 | noncurrent p90, uninsured deposits leaving | liquid assets <10% |
| 2019-09 | 3 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2019-12 | 3 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 1 |  | capital falling, charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | brokered >10% |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 1 |  | brokered >10%, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | brokered >10% | uninsured deposits leaving |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | brokered >10% |

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

- 2018-06-04 [Bank of Newington breaks ground on long-awaited Springfield branch - Effingham Herald](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQblNEMm9LQksxdFMtSm5xS0VBZHJUd3M4eGhsUTdLazlUSDhETFNza19vQldNek9DeTB1amRCZUlDbnJaejR2NlI3eGE4YmJ1a1lKZGROcnB3aEpUMTVfeUR0Z0Z5cno0Uk5PSlBncHJ0OU9lY3BiWjBuYnhOYWFrNENUT2ZZMWhWNm1hVW43cFQzb1AyREhGbnBiODc0Z1NhOG9oVXNMbzc?oc=5) · Effingham Herald
- 2023-09-12 [Obituary information for Dalton Bailey Walker - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxPQUJyYmp4WERqRnprdVJiZEY2dTZBa2hMRFhwUFhpUmJpSTVzUWFVMjhsWmI2T1Q5ZGpQNmt0VWdJX1gxQ1NSeEpwdklZNUtOb25BQXN1OFY4RG1ONFVEcGt6ZDBGVHZuN3lvcVFGNndhQXVsVnk2bVQ1QzhXeTB6c1dB?oc=5) · Joiner-Anderson Funeral Home
- 2024-06-05 [CASSEGA announces winners of the 4th Annual Pull for Kids Clay Tournament - Grice Connect](https://news.google.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?oc=5) · Grice Connect
- 2024-02-03 [Nissan employee arrested on felony theft charges - Statesboro Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxON1lsb292U2ROUWR3TFpjRVBadjkwLW9HX1V4eXNrY1VtNEJHUUhNN3h6N1ZHR1JUUkdpdkUtMWgzbndVdkk0S0xCeEpTbG5ud0duVW45eEFhZl9LbkF6c3FUUXpwaEJvY2hDSkNoVGNpTEl6eHhYVmhIUXFDNjJoN1NRSm5qeVFGWUpvUnlB?oc=5) · Statesboro Herald
- 2021-12-23 [City of Sylvania says ‘Goodbye’ to long-serving officials - The Augusta Chronicle](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOTE4tOEFfcnZVWHNJd282d2RnY0RoV29BOG9tcnVFVDhhdEZ2d2MxVUJCQUhVeGVQZVBDVWpOSEF1UE43enY5dllibkp4dEtBOTE0MjlXMzBKeC0wWlFfSjN2M25jUEtvVnZYUEJDdUtJVEJyRV9oMTl0LUFXRmFnWFFsb1oyRnpGdXdEZ2ZvMDlMT3lFdkFSOE9GUVo5TUVoWTlHLWdwRlE1RmhsX3RvS3FlR25yU2YwNHFJMjdJNTVfWXduTjluZ2c3ZF9JMVczaEJYSEVuTkpyazNHLVBEamozRndGSk1DX3c?oc=5) · The Augusta Chronicle
- 2024-06-19 [News Briefs for June 19, 2024 - Effingham Herald](https://news.google.com/rss/articles/CBMickFVX3lxTE1VSFdSQW9IQlJsZDdPWVY1d0ZhSUxBTkV4Sm5EZGRxdm1IZ2M5dGtydzdRajVHX3Q2LWYyOWZIM0tFSmFESlU2MURxVm1vSmgzTW1qQkJHZ29IbThlazR3d0Vfd1NsVUljdEhCa19NWjFSUQ?oc=5) · Effingham Herald
- 2016-02-13 [Obituary information for William "Billy K" Karlyle Evans - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUUJqUGxMMEtoRFA3eFFZc2ZYSkxSRGp1a2FwUTMtRXB2V1NyMkJhbkNqSGpNbVI2Yk5Rd2RpSEhtOVNmTmhYUWV4NFFveVRtY3Y2SlI5QVJQUVdOQW1kWTFtQlpIcWswd3psWHlPM1dGanZfNDA1LW9scnlkbkVJTVBXYzVyS3NxVzVaR2JB?oc=5) · Joiner-Anderson Funeral Home
- 2024-06-25 [Obituary information for Barbara M. Smoak - Joiner-Anderson Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTFByU0g1ZlFaU2tBVXlqNl91OWUxUkkxTVNVUnlNX1VmekZueG1mekJKT0RDWkJYdkk0bUV3WEZ0X3czcE9EYmFjVWtIcVNlZmlVS1V5czh2bVl5S29pWU5ONHBOeHJuRWlfLVZtU1k3TTNvb1FTSHZjWmlCOA?oc=5) · Joiner-Anderson Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5704 (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/8.json (key "5704", 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