# GEORGIA COMMERCE BANK
ATLANTA, GA · FDIC certificate 57521 · asset band $1-10B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.07B | |
| Deposits | $918.5M | |
| Loans and leases | $792.8M | |
| Total equity | $118.5M | |
| Loans / deposits | 85.48% (p54 of band) | 84.25% |
| Liquid assets / assets | 22.37% (p43 of band) | |
| Uninsured deposits / deposits | 41.20% (p84 of band) | 24.35% |
| Brokered deposits | 0.72% | |
| Wholesale funding | 3.98% (p28 of band) | |
| FHLB advances / assets | 3.26% | |
| Tier 1 leverage | 10.79% (p71 of band) | 9.88% |
| Unrealized securities loss / equity | 0.31% (p17 of band) | 1.91% |
| AOCI / equity | 0.34% (p45 of band) | |
| ROA (annualized) | 1.29% (p82 of band) | 0.92% |
| Net interest margin | 4.54% (p94 of band) | 3.44% |
| Efficiency ratio | 52.12% (p14 of band) | |
| Noncurrent loans | 0.97% (p59 of band) | 0.80% |
| Net charge-offs (annualized) | 0.05% (p61 of band) | |
| Reserve coverage of noncurrent | 99.38% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 78.31% (p90 of band) | |
| Auto loans | $362,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | charge-offs p90 | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |

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

- 2017-01-23 [Georgia banker Mark Tipton selected to Board of Tulane - Tulane University News](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZzVaS210MVlkeFl0VXVqaUU5M2dwd3RPQ1I4eG1yM1BEaTlqWUhRYk1nWnFlalFzYzJLM2ROMHRGTHFzSV9jdExiYm9wb0dwb1ZEaU1PSFJuRXNRbVJ5VC1DMzZIYmRreWxNdXNsZG1aUU82a1B2TnphUm5qR3FCWWdYYw?oc=5) · Tulane University News
- 2011-09-05 [Patriot Bank Reopens As Georgia Commerce Bank - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZ2k3MDZqWWVHNlhmeHY0VjhTUHpXMi1wYmxJcEwwbHpxeVNuTlVrSVl6a2dpMEZyNjgzam83M3lSQTdYRnFCTmN6QWxzRWdVem1WdFI1OExkQVh1TWtkTkxreHpqYk1KTmVRczhiTkRrM3dOTXpzZlFRY1dza2dWNHN5b2h5aTBtamc?oc=5) · Patch
- 2016-07-01 [Three Georgia Alpha (Georgia) Phis Recognized With Legion Of Merit At Convention - phideltatheta.org](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdkNPdHpXYk9paC1TUDRld3ZfajhpaXJRZW1ldXdxcXVMX0hxX1gtbEh3SzFUSy1EdEZxUXVvZUtLNTRPZmFKd0FyYWRqdEJ2TjFpV0xkSlpzbUtfSEVTUXR3RGV5TldEU3EyRy12UTA1N0w5cW16VmNpYXp2VGtTbHRuT2s3eHg3alZfYkFyTDVlaDJneHVXNmZReS1TWlRFUzVmMmwxSkRRajNjMXc?oc=5) · phideltatheta.org
- 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
- 2014-03-21 [Atlanta's top 100 leaders in finance - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbHhENzV6YjVqQ01UNktVRTVUTDlzcE5zUlFUeVNET2RBTV80QjVnLTRHamFVTkgzakxnQmVvTURuUFQ0c2tKa0QyMzdOUTlrX3NEdE1SLUtSZmM4UzA3MTBnV3U4RFA3NHBSeTBNelhnSEJmTnFBZmpsS05TMWNyRml0YUFRMmVHczlGNkI4VVVsMjRPNVZQZ2VHNUZNMzkxbFdxcw?oc=5) · The Business Journals
- 2011-04-13 [Art & Design Show House - Marietta.com](https://news.google.com/rss/articles/CBMiWkFVX3lxTE52Q2VkRVhrd0hLNlBKRUJXcnZLRzFPeFZoLXo2MzhXSm9BRmJpb2ZnejI4am9VeHR0MmxCbG1nWkxRdThDWTJMWGxLekZlZUF4ZkhHZVp2bnB4UQ?oc=5) · Marietta.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57521 (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/49.json (key "57521", 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