# AMERICAN FOUNDERS BANK INC
LOUISVILLE, KY · FDIC certificate 57113 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 7 (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 | $88.3M | |
| Deposits | $73.1M | |
| Loans and leases | $77.1M | |
| Total equity | $12.5M | |
| Loans / deposits | 103.78% (p91 of band) | 78.40% |
| Liquid assets / assets | 6.64% (p2 of band) | |
| Uninsured deposits / deposits | 4.92% (p8 of band) | 15.34% |
| Brokered deposits | 1.85% | |
| Wholesale funding | 4.05% (p60 of band) | |
| FHLB advances / assets | 1.13% | |
| Tier 1 leverage | 13.05% (p70 of band) | 11.34% |
| Unrealized securities loss / equity | -0.42% (p82 of band) | -3.15% |
| AOCI / equity | -0.51% (p71 of band) | |
| ROA (annualized) | 0.50% (p17 of band) | 1.02% |
| Net interest margin | 4.06% (p65 of band) | 3.82% |
| Efficiency ratio | 89.14% (p91 of band) | |
| Noncurrent loans | 1.71% (p80 of band) | 0.57% |
| Net charge-offs (annualized) | -0.18% (p2 of band) | |
| Reserve coverage of noncurrent | 98.94% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 78.23% (p90 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -16.3% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | losing money |  |
| 2011-12 | 6 | leverage <5%, capital falling | reserve under noncurrent |
| 2012-03 | 4 | assets shrinking | expense ratio p90, losing money, capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | reserve under noncurrent |  |
| 2012-12 | 4 | deposits shrinking | leverage <5% |
| 2013-03 | 5 | expense ratio p90 |  |
| 2013-06 | 7 | losing money, noncurrent p90 |  |
| 2013-09 | 7 |  |  |
| 2013-12 | 6 |  | noncurrent p90 |
| 2014-03 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 7 |  | uninsured deposits leaving |
| 2014-09 | 6 | capital falling | assets shrinking, deposits shrinking |
| 2014-12 | 4 |  | charge-offs p90, capital falling |
| 2015-03 | 2 |  | expense ratio p90, losing money |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7% |
| 2016-03 | 7 | losing money, expense ratio p90 |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 9 | capital falling, charge-offs p90 |  |
| 2016-12 | 6 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 4 |  | noncurrent p90, charge-offs p90 |
| 2017-06 | 5 | loans exceed deposits |  |
| 2017-09 | 6 | wholesale funding >15% |  |
| 2017-12 | 4 |  | capital falling, wholesale funding >15% |
| 2018-03 | 6 | liquid assets <10%, deposits shrinking, uninsured deposits leaving | losing money |
| 2018-06 | 7 | assets shrinking |  |
| 2018-09 | 7 |  |  |

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

- 2018-11-02 [Louisville bank sold to credit union - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNXJJdTI3dDVWeDJhRzJZWTlzWjR6Ui1VVFZPaGtWTTdwa2NBYlA2S21SZG5ZdXhyd3JPQ3RfRnRxMndrcXZHWXZGUTNDYUZOa0hJVGsxY1dvYTd5dTdzTkNrUHUtQUdBWXkyR2ViT1hzSS15c2dtaDMtSE1hY2h2YldvN0djRWlpZGhXajhEYlFlUDdGVldyUWlRV18?oc=5) · The Business Journals
- 2019-11-05 [Property transfers (April 2019) - State-Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE5tQnFPQ3gtYXh6NENvbVZmRk5SaE1HNWpoZFZYeTFXSjhtMWtRN3RfcGVUMTVIczZXeml5cldTMVEwZ0F6NkRjZ2VkNUJ5RkJQVHBMV003bVVGVzNMMlhYcGxvdm11NHZPT1k0SUFKbTNTb2dIN1E?oc=5) · State-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57113 (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/25.json (key "57113", 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