# FIRST CHATHAM BANK
SAVANNAH, GA · FDIC certificate 57252 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $604.5M | |
| Deposits | $522.7M | |
| Loans and leases | $377.2M | |
| Total equity | $77.3M | |
| Loans / deposits | 70.84% (p31 of band) | 80.20% |
| Liquid assets / assets | 32.16% (p66 of band) | |
| Uninsured deposits / deposits | 18.80% (p27 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.77% (p86 of band) | 10.44% |
| Unrealized securities loss / equity | -6.62% (p68 of band) | -13.25% |
| AOCI / equity | 1.07% (p45 of band) | |
| ROA (annualized) | 1.32% (p68 of band) | 1.02% |
| Net interest margin | 4.99% (p95 of band) | 3.54% |
| Efficiency ratio | 69.01% (p58 of band) | |
| Noncurrent loans | 0.87% (p74 of band) | 0.34% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 212.12% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 51.94% (p54 of band) | |
| Auto loans | $156,000 (0.04% of loans; DQ 17.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 101 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, NIM <2.5%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  | wholesale funding >15% |
| 2011-09 | 8 | noncurrent p90 | charge-offs p90 |
| 2011-12 | 9 | charge-offs p90 |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5%, charge-offs p90 |
| 2012-06 | 10 | charge-offs p90 | uninsured deposits leaving |
| 2012-09 | 9 | uninsured deposits leaving | deposits shrinking, charge-offs p90 |
| 2012-12 | 9 | charge-offs p90 | uninsured deposits leaving |
| 2013-03 | 9 | NIM <2.5%, deposits shrinking | losing money, charge-offs p90 |
| 2013-06 | 9 |  |  |
| 2013-09 | 8 |  | NIM <2.5% |
| 2013-12 | 8 |  |  |
| 2014-03 | 6 |  | leverage <5% |
| 2014-06 | 6 |  |  |
| 2014-09 | 4 |  | assets shrinking, deposits shrinking |
| 2014-12 | 4 |  |  |
| 2015-03 | 8 | losing money, expense ratio p90, charge-offs p90, deposits shrinking |  |
| 2015-06 | 8 | capital falling | deposits shrinking |
| 2015-09 | 8 | deposits shrinking | capital falling |
| 2015-12 | 6 |  | expense ratio p90, deposits shrinking |
| 2016-03 | 5 |  | losing money |
| 2016-06 | 4 |  | noncurrent p90 |
| 2016-09 | 5 | noncurrent p90 |  |
| 2016-12 | 4 |  | noncurrent p90 |
| 2017-03 | 5 | expense ratio p90 |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | leverage <7% |
| 2017-12 | 5 | assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2018-03 | 1 |  | reserve under noncurrent, charge-offs p90, assets shrinking, uninsured deposits leaving |
| 2018-06 | 2 | reserve under noncurrent |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | noncurrent p90 |  |
| 2019-03 | 3 | deposits shrinking | construction >100% equity |
| 2019-06 | 2 |  | deposits shrinking |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | expense ratio p90 | capital falling |
| 2020-03 | 3 | construction >100% equity | noncurrent p90 |
| 2020-06 | 3 | charge-offs p90 | expense ratio p90 |
| 2020-09 | 3 | capital falling | construction >100% equity |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 3 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 4 | uninsured deposits leaving |  |
| 2024-09 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2024-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 0 |  |  |

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

- 2025-05-01 [Cadence Bank Completes Merger with FCB Financial Corp. - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxPR2t1a0xURm0xM1QwYXMzT3QzaTc2Q0NkcnBiYlhKVkVhRWxUZnZtSmpGZmRXdXNqUGl5RmpISmk4Ni1WbURVNVYtYmhfMzRBRGpzX29zZGxzd2RXQXBVUkREWG9qOFBCaFpFcnRXc0UzOW8xQy1QWVQ1VnBZWU40aF9EcGVEWW5rb2xERnJ6QUNROU5JQzdJUERJNE5BQVpHU29KMTA3aTU1ZkRNeUE?oc=5) · PR Newswire
- 2025-01-23 [Cadence Bank signs $103m deal to acquire FCB Financial - Retail Banker International](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZzdTekpBcjlFbDRJUC1nd0pQZ0JqM1dGVWZKdXdhVnVnS1JQVnY0TTNDUHJxdE4tRXRJcFdZTWczck9rUklIbWNjQzJfYlZQUTZrVkd4WVd4R18weGlUWUhWZnNUa0FQWll0WE9UNHoyX0puQmdDVFY5b3p6LTAwVURCMFFra3FUVkE?oc=5) · Retail Banker International
- 2025-05-02 [Cadence Bank Completes Merger With FCB Financial Corp. - MonitorDaily](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNkhOZmMteTV3d2lsRHdwTU13VnhXYmNwNkFYQ1Y5NDV6LUxEVV9aOExVRlJsMG5tZFlmbHhwQmpkTnVURW5kTnlvbmZJM20yNkZGbl9VTHF6VThVV2dtaUNQdmR2MkFKTy1PazNNMHZKNjhRaFZmRUQwUnRUak5HakxMN2RKMHBlc1hZ?oc=5) · MonitorDaily
- 2014-06-20 [President, CEO of FCB Financial Holdings, Inc., First Chatham Bank retires - WTOC](https://news.google.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?oc=5) · WTOC
- 2007-07-19 [First Chatham Bank gets new president - Savannah Morning News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNd1Q3QWJ3dkFyeHVYcVU0R2hFTHo2aXh4MzBBZm5wVUpsSHhRLUpRMHc4d0lvZlR6clVZYUJNQTN5TnlOVl9MSl9yLXRPVjJiNHFKZ1hfNUdqQWR4Rkh3amdBMWJNYnNfWDJBbE93dWRIenM0dDNISmoxbFhGNkc1QVFXUGdGRlNORzFpQTd3cjBJeHI2RVY2V2pZVXJRVnNTQUE?oc=5) · Savannah Morning News
- 2021-02-22 [First Chatham Bank (GA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbFZuM0dMQnFlbkNMX3cyRC1kX3RnWHo2d3d2Ujk1YlJFZnlCTzBMOW5VcXhqNzQyVFpGMWQ0TDE4MWlmWXhNVTBoZUQ3M1ZLd21UUmduLTZnVzc0MVVUZThxUFgyLXlVeFlaY3FXeFIyc3htNU1Gb1hxS091NmhheFhYTHNlQQ?oc=5) · SmartAsset
- 2021-09-21 [JAMES R. LIENTZ, JR. appointed to board of directors of FCB Financial Corp. and First Chatham Bank - Savannah Business Journal](https://news.google.com/rss/articles/CBMinAJBVV95cUxNSTM0OEZ6bGNOZHlJWjYtM0JUeWxqRElHSEQ2eG0zX21ObV9BSU9xb2hrbHF6QWRjbmlGUW1PUWpmRXRGTnh6c19FdFk3VGJJZEFiMjhTTGdwMDg0azdYTnAwU1hUeEdsMndvbUdHNEdpRG1ESy1OU0NPaFVSSGZQWVJ1Z1BSUG1FNjE0emFnb19tMjRsSDh2d20xeEc1WW0xZk1tNElTUTlXaVJHU1ZicURPbm0yd3RnNDVzRUtqTERDaTM0QkcxZy1PUlBFNDZTUTdoSFRLX2lOUjRXd3l0MXJndnRKamd3VG9WeUlZZGRnUEFBcFpGRHFMT29Mb2FCMmlDbTE3bmhLVzktam5hd1pRZjVxbDNCa0tBVw?oc=5) · Savannah Business Journal
- 2025-01-22 [Cadence Bank to Acquire FCB Financial Corp. - PR Newswire](https://news.google.com/rss/articles/CBMinwFBVV95cUxOYWpXS0lYaFExdzZSMUJnNVVNUnAtQTdBWlhBbnFWYTdCWGtlSlpzYU9IdF8tUXdUV29pN3VaRWJVUFNsd2FFRFhVTFhyTG4zRi0yUTFKUDdKX1NLbTEwbDVzaVc3MEpEOU1vWFRYTzFiVS12UXpqVzZQbDVrdE5pRzVnaGJUVU51YWdCTFZpbWw1dWhYcU9hYTMwcGNKZk0?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57252 (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/36.json (key "57252", 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