# PARKWAY BANK
LENOIR, NC · FDIC certificate 57158 · asset band <$300M · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $109.6M | |
| Deposits | $104.7M | |
| Loans and leases | $76.4M | |
| Total equity | $1.5M | |
| Loans / deposits | 70.92% (p59 of band) | 66.54% |
| Liquid assets / assets | 19.06% (p12 of band) | |
| Uninsured deposits / deposits | 4.47% (p13 of band) | 11.77% |
| Brokered deposits | 1.96% | |
| Wholesale funding | 4.89% (p70 of band) | |
| FHLB advances / assets | 2.74% | |
| Tier 1 leverage | 1.49% (p0 of band) | 10.04% |
| Unrealized securities loss / equity | -10.73% (p0 of band) | 2.48% |
| AOCI / equity | -4.84% (p1 of band) | |
| ROA (annualized) | -0.36% (p6 of band) | 0.72% |
| Net interest margin | 3.56% (p51 of band) | 3.55% |
| Efficiency ratio | 107.34% (p94 of band) | |
| Noncurrent loans | 3.71% (p82 of band) | 1.19% |
| Net charge-offs (annualized) | 0.21% (p80 of band) | |
| Reserve coverage of noncurrent | 76.32% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 768.26% (p100 of band) | |
| Auto loans | $238,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 32 | |

## 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`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 | charge-offs p90 |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 8 | uninsured deposits leaving | losing money, noncurrent p90 |
| 2012-06 | 12 | losing money, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2012-09 | 11 | capital falling | noncurrent p90, deposits shrinking |
| 2012-12 | 10 |  | assets shrinking |
| 2013-03 | 8 |  | charge-offs p90, uninsured deposits leaving |

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

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- 2016-12-03 [John Mcgrew Brubaker Obituary Dec 3, 2016 - hamptonfuneralnc.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vYWM1WEo1YXhfS0dtdl9tdnU0SlRhQkgzaThwcDZSYnV4cmpfOXdPZ3VzXzFkZXJoRkpVZVNrVC14aGpvOVkxUE9BSEVHaG1MS3U5cXZUTUp0RE5RaFU0QmZLaVVEWlBr?oc=5) · hamptonfuneralnc.com
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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57158 (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/6.json (key "57158", 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