# PIEDMONT COMMUNITY BANK
GRAY, GA · FDIC certificate 57256 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $199.0M | |
| Deposits | $178.8M | |
| Loans and leases | $111.9M | |
| Total equity | $1.3M | |
| Loans / deposits | 59.42% (p28 of band) | 71.39% |
| Liquid assets / assets | 20.70% (p19 of band) | |
| Uninsured deposits / deposits | 1.52% (p9 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.00% (p78 of band) | |
| FHLB advances / assets | 9.00% | |
| Tier 1 leverage | 0.68% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | -0.45% (p5 of band) | 3.72% |
| AOCI / equity | 6.87% (p87 of band) | |
| ROA (annualized) | -5.21% (p1 of band) | 0.72% |
| Net interest margin | 2.47% (p4 of band) | 3.86% |
| Efficiency ratio | 134.99% (p97 of band) | |
| Noncurrent loans | 13.90% (p98 of band) | 1.48% |
| Net charge-offs (annualized) | 3.88% (p99 of band) | |
| Reserve coverage of noncurrent | 36.47% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 2978.94% (p100 of band) | |
| Auto loans | $246,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 22 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |
| 2011-09 | 10 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2022-02-18 [Brunswick man admits robbing three banks - The Florida Times-Union](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNU1rbGFUUjJvT180N1QzaFpZWVNfTG43QVFhbEVCSzktUkI1SDFzWHF0b2pGajlzSWN1OHZHc2ZZcXhCNzJBbGdRUEJ0UnkzY0VGclR1eV9peGVZQWJLRGNMVEJyeVllTVhCN2RVVU5BY0lyMU4taHloX3BmYjlCV2diWTY1NFAtMkExbWdCdWJFSXZodTg1QzhOOWg2QkE1MEZpS1R3ZHFfQV9UdWNr?oc=5) · The Florida Times-Union
- 2018-06-04 [Piedmont Community Bank Group Inc (PCBN) Stock Price and News - The Globe and Mail](https://news.google.com/rss/articles/CBMib0FVX3lxTE9wN09wMEdtTm9vcWFEdzRFcTdqTldySEhqNDExTVByb19fOGtvN09td2pZT2FFTHY5MV9pcXozNEZmVUQ5Z0RkY0pBVXdpNXdsR2dWMnA0ODV0VDJZQ3R2andUanMta0paaEkxcmE3bw?oc=5) · The Globe and Mail
- 2018-09-12 [BB&T Center for Undergraduate Research in Public Policy and Capitalism to Host Lecture by Macon Businessman Roy Fickling - den.mercer.edu](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNaXNVb3l6ZjJOUnRNX1ZZZ2tMN2E5WU5NaFEyUHIxSTdqQ2JPY19DeVRKWmRaLU5jamVKeWxIREt5TDlHYnNuZVVfV1hmTE9Rd0FOYWtlektWZUNjY1dxUEhMZlNCeVB4dTR2dkQ5d29QVzRuUzl1dzd6SEQxUmw2NW9yajBCeFUwdUtkUks1VnZkWEVyX1B5VEJLNUViWXZhd2NieFpWeU85WF9NbmRtYW5Jb0lXNjZwT190NVVWbUFrRXZReThiQnBKMXdMZkNteUpjQ2tCWEdNTkU?oc=5) · den.mercer.edu
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2024-02-07 [Former Yadkin Bank CEO unaware of redlining accusation - Business North Carolina](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMWVoOVQyVjZtS1FmVVdVY2doVm9sandqUGhVeW5oZEJtUmxQTmtTYmd5TlFzckpVWjNjcDlkaGRBWW4taUpUT3M4dWxWdXA1VUFqUW1PNEExdWpIY3diMWtQbGZmX2d0QkhDS2xYWjN3XzV0Z0NvLVJXSnhXZHdkOWE3SGs?oc=5) · Business North Carolina
- 2016-04-22 [CEO Awards: Scott Custer - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUFhsNXYtbkhoTmVuSUVibzAtSzl6UUF1RFNfVmcyZ1RUeEJodUppY2FvSmJLNy15M2dJSGloT3k0ajM5c0F4WGNQWDlVY0YybE9yZXZHcDE1ck9YYXFPc05xdHZIazdieVNnSklPZlVHeDlmRjZoMEptY3ZvRTJfNnd5UldHSDBXaldGdC1vUUUzTFFX?oc=5) · The Business Journals
- 2016-06-10 [NC banking: Scott Custer - Business North Carolina](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9SRWNhLUk5X2RuaTd5TFZ3QXpaczRIRkJHVG5RbTBMSGx4TzN5cmJUWXpMU1lhLUhRSjFiRzFSblp5WHRzTXlWd2c5NzkwYjZKcV94eHlvOTIxakU?oc=5) · Business North Carolina

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57256 (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/40.json (key "57256", 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