# BANK OF CHICKAMAUGA
CHICKAMAUGA, GA · FDIC certificate 5713 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $48.5M | |
| Deposits | $43.3M | |
| Loans and leases | $18.4M | |
| Total equity | $4.8M | |
| Loans / deposits | 41.85% (p12 of band) | 69.26% |
| Liquid assets / assets | 48.80% (p76 of band) | |
| Uninsured deposits / deposits | 6.68% (p22 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.55% (p36 of band) | 10.29% |
| Unrealized securities loss / equity | -2.28% (p40 of band) | -1.01% |
| AOCI / equity | -5.13% (p39 of band) | |
| ROA (annualized) | -0.48% (p6 of band) | 0.76% |
| Net interest margin | 3.24% (p29 of band) | 3.63% |
| Efficiency ratio | 112.87% (p96 of band) | |
| Noncurrent loans | 2.77% (p81 of band) | 0.94% |
| Net charge-offs (annualized) | 0.05% (p47 of band) | |
| Reserve coverage of noncurrent | 46.76% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 15.42% (p48 of band) | |
| Auto loans | $550,000 (3.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | noncurrent p90 |
| 2011-09 | 0 |  | losing money, reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2012-09 | 5 | losing money, noncurrent p90, charge-offs p90 | uninsured deposits leaving, capital falling |
| 2012-12 | 4 |  | noncurrent p90 |
| 2013-03 | 4 | capital falling | charge-offs p90 |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | assets shrinking | capital falling |

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

- 2020-01-03 [A new future for a historic building in the heart of downtown Chickamauga - WTVC](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdkJoUG1jeDlKa0I3UGJqQTdNM3pzYUR0MGVmV0hHbW9mUXgxMnNaNGpXTzBxZEg1cnBPV2ZNQXBoNWJTYVhIblhoUWw1SVhEUGpzcXBsT3BNMTVWOHE0T3lTQ3hDSjE1clBmZ2FlWG1qU0lKZFRaRFVGdjZZNTZNemg0X1M5dTJtcVB4TExVMGVHaWxLUHFrdTN0TFdFWmxGVGpjV0h5NWJNY2p0Snc?oc=5) · WTVC
- 2024-10-04 [Mrs. Carolyn Hughes McElhaney - View Obituary & Service Information - wilsonfuneralhome.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE1JTlNQczlqYVotcW5lak5oeS1jM3NPcWdFNy1Ba0pDU2FGREpCOXRDdThic3hGV0pJNmw3dGhGVHVmM1F3UG91OHpqYjdoS2M1YVBhOXlLQm9INkNNd2RxaWd6RFFmNWliTGQxdDlhNmoyLWM?oc=5) · wilsonfuneralhome.com
- 2025-01-21 [Obituary information for Joseph Archer Glenn - heritagechattanooga.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSFUtMmRpREtoQzRXejRlbU1oNzJ6TFdZdmYzamJjRC0zdV82ejJGV1A0SjAzVzNvc1o5TW05ZXR0QjQ5MV8ySW1wMHlHMzM4eVdFZkIxSjdZdDlGU05kdW1qTEdWaXNKR2o0SFdHVlpKYnRPRThjNEsyWWhDNXRnRUlRV2NlYVU?oc=5) · heritagechattanooga.com
- 2025-08-10 [New businesses, festivals revive downtown Chickamauga - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZS1yel9OQUFyTktLWEYzNXAtczFzWlpucklBa0ZWbGtpUHlLUnV2bFY1LU53d1hubG9PWDY2UzFLb0FiVmpWTk1DNW1IeHlOU0xWVkRCZzlDRmxKbkZWVmoyX1BSQlVHcGNfRnYyNnVueVU0eDMzWVZGdDFXcGNRam10ZUZLSVhobUoxeEYzSlNJVVE?oc=5) · Chattanooga Times Free Press
- 2013-12-22 [Taylor Ross Eberhardt Obituary - Visitation & Funeral Information - wilsonfuneralhome.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5YSW1ZTjBQRHU5ZWNYT29XYUNqa3RPMlppXzlCOGI2d094d0VfdFFlQkxnT051d0pySFRYRjhJNVZHbFV5bTJWQVNqX1dNVUpDU0RSZjV2MFVTMndGS0JzdWsya1N4alhlbTBSTjQxOUdHUFRUbVdGeQ?oc=5) · wilsonfuneralhome.com
- 2025-01-21 [Obituary information for Jordan Douglas Queen - heritagechattanooga.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdzAybU5md0lRSTJISGNXbHNKbXJTWXBpYkxwSkFsT1QyN1Jrejk0U0F3QUhBQUhTZE5WdDh6Vy0zc1ZsU0lkc0VYNldiRDNDeDViWmREa3AwWjhKT0QtUDNNNGQxNnI0ZUoxM2paUTV3eFNvVTlPdFpabUdjTFFIZkdOS284WlM1?oc=5) · heritagechattanooga.com
- 2009-08-06 [Jeremy Revis Obituary (2009) - Chickamauga, GA - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPazNsYTJ5Q0dyZmZTLXkwTXh3LXcyZE95ZnUteFRHd3dOUTF0VmpKdlZRZjR6MTZlNFVZYTVGa05qTEhHN1VwYXVMVk51d194dGY3VVY5c3NSRUVlYUE4VDVQc2dYNDlEZ04zc3lkT2hRYURrU2dROVFvZF9STXRoUXZKVQ?oc=5) · legacy.com
- 2014-04-11 [Glenn, Elder Grifton, Jr. - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5EZGl6RTlhM1RkUlVpREdCMklfSmlNUGljYjVLekdKVk5ZM212aEdKNFFFRTBLNy1KWVJYQzBHX0tXbTIycHhTNjlFTW5DMVlWUXY0UEJfRnd3MHlBOEhON0I3a2hhRWlrUElPeXJJYjduTWdyTld5RmI5X3JDNTA?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5713 (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/17.json (key "5713", 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