# DOUGLAS NATIONAL BANK
DOUGLAS, GA · FDIC certificate 57230 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $326.9M | |
| Deposits | $294.7M | |
| Loans and leases | $252.3M | |
| Total equity | $31.9M | |
| Loans / deposits | 84.75% (p58 of band) | 82.04% |
| Liquid assets / assets | 20.60% (p34 of band) | |
| Uninsured deposits / deposits | 37.17% (p83 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.33% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -7.42% (p52 of band) | -8.10% |
| AOCI / equity | 0.23% (p88 of band) | |
| ROA (annualized) | 3.51% (p99 of band) | 1.28% |
| Net interest margin | 5.35% (p97 of band) | 3.91% |
| Efficiency ratio | 41.71% (p7 of band) | |
| Noncurrent loans | 0.10% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 971.92% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 38.74% (p45 of band) | |
| Auto loans | $4.1M (1.63% of loans; DQ 1.15%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 3 | charge-offs p90, reserve under noncurrent, assets shrinking |  |
| 2012-06 | 2 |  | assets shrinking |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 3 |  |  |
| 2013-06 | 1 | capital falling | charge-offs p90, deposits shrinking, assets shrinking |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 2 | reserve under noncurrent |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 | brokered >10% | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 | capital falling | wholesale funding >15%, deposits shrinking |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | brokered >10% |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | deposits shrinking, assets shrinking |  |
| 2026-03 | 0 |  | deposits shrinking, assets shrinking |
| 2026-06 | 0 |  |  |

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

- 2026-01-06 [DNB continues CRMC partnership through the Georgia HEART Program - Douglas Now](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZ3M3T1ItQWM2RERvTTNEeGgwME9zQ1pvcFRTNlpKaE5RTVZuVmRDUVNQOGlaNngxZmc0OWFWQVBiS3hLbnZhZGZSNVhKTGZabzRyaEd4MzdoV3NCekZPd185MENXclNtb1p3dzlTay14d2szbFd3VnRCb0VobG5ONGJZRmVlMGxObFVIc21BcDFxZw?oc=5) · Douglas Now
- 2024-11-15 [20 community banks with highest return on average equity - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdFhidDlxaHMwdXFPTnZ2YS1JNk5YVUkyLVNDRlctMEprb0FEYnphSnQ2ZzhlWHU4M2k4Sm5HUmZDMWZia2Q0MzhmT2oxZjZEVG5xeVBsY0VWUG5HR3RxSHlQalo0dHB3WnoxWU9sYzdCQWRTaUVJMktHV2hUZHFSQm1XTkhCX3FIRWdnMGo2azEtaEMxbmln?oc=5) · American Banker
- 2025-04-30 [Women Pioneers in Accounting - insightintoacademia.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1OR3JLZm1LMGt0VnY3VWVFSl9MN2tURDNXbllsUDliQm12Q042STU1X0hqdWFFd19hYVplN1NGVXlUWDJERFU3QllqUE1qT19lSW1JWnhweGNOdGpLLXJvNm1LQmtXVldnRDhsTGxR?oc=5) · insightintoacademia.com
- 2024-02-21 [Francis Lott Obituary (2024) - Fernandina Beach, FL - News Leader - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOY1NyUmFqcGc3YUk5bjdKOElMZ1N6aGVtSG50QzZEQ3lKandyZjEzbWJlNVVqWUZ6eFBjTkVqZUozUjZqS0U2ZGFJS2RTUjFYUEpLVWFoOVpCUjJ1NzY5Z25xQkNrOUNWMTFTZ3VTdERSaExUazhLT0dYLTB3MUF2Tk5Ea2R2Q0hVT3hueGk0Y2hmQQ?oc=5) · legacy.com
- 2026-03-03 [Wings & Things Festival and Fly-In returns to Douglas Municipal Airport on March 21 - Douglas Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX0FMN3cyZUdsUzNVeS00N1h6TkQ0dWZsMUd2VkpJN3VXOTFRTER3MXNjaEJDU3JDekJNX3lmVTJLczNJeUVMekdhbUlYQnpXRW4zM2g1NlhqenlnMHhEcjBvRnhWWk85T1hqVGhTZzlnakhrVG5TOE5CQmJTVzRvMUZSRk5zcXUyT09BWXVwcGRDeVIzVE1zX0VCTEN3bk9ZOUNNQTNnQ0Y?oc=5) · Douglas Now
- 2025-11-19 [County Fire Chief, EMA Director Steve Carver named 2025 Christmas Parade Grand Marshal - Douglas Now](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQU05aER4ek85N3NZNVZRWDU1MkZsRHp1eURGaXhoU09hSEJFMzlkUXhvLU5XSHE2ZkZkZ0VQQWlORHMzTmZGV2V2UllObGVPSktjYlBPUlVzQWRVa0M0c2xNRUNKeVE2U0Y2SS1DRWJERmdSalFVQ2Ffa2JydXJldWpjaEVRaVlRSU1nNGEySGFZMlJXTXFBRGxBTkVyb05vd3hZZlBiUDVpd0ROaHc?oc=5) · Douglas Now
- 2025-03-19 [Coffee High School TSA members compete in the Georgia TSA State Leadership Conference - Douglas Now](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSnlMdU1GdGdBdk5fYlljUXlNelg5SWl5QmVlTkJtU21reGQtSEdBa0hmRXFnOXpPSDUwZEo4Qy1hcU4xdWNtRVJZTmhjcHZUaTBPUzd2ZjdVWU9NbVV1NVM0RTAzMzc4OWxvdlcxRE0tN3Q0MkRKUzdIbWp1bjdNUDJldzZ6Z0JFLVROZ1NsMlBYRHU5blprWlpFSFFLSTV0MXdpZy1GTWlVaWJrRVE?oc=5) · Douglas Now
- 2023-05-08 [Chamber holds ribbon cutting for Knollwood Tire & Wheel’s second location - Douglas Now](https://news.google.com/rss/articles/CBMingFBVV95cUxQMjdnRXNaMFRidWU0dlJtT2JQbEVQRFM0OHRkMEV0Z2l1NWxNMm1ILUdXLXVvUmkwb1F4X3hENGZqQTQ4NkJiZFpwdWtaYnpLUUFVeHlCSDlpLXRSalpNdXFmbjYzQ3BSMGZOQ0JnUlF3cWE4SEh2Xy1relNYZDd6QzlVa2p2bDZYOVZraWdYZEJoVDA1TEFiSEhFTV84dw?oc=5) · Douglas Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57230 (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/14.json (key "57230", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide