# FIRST CAPITAL BANK
GERMANTOWN, TN · FDIC certificate 57552 · asset band $300M-1B · latest filing 2021-09 · 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 | $376.2M | |
| Deposits | $314.6M | |
| Loans and leases | $301.4M | |
| Total equity | $39.9M | |
| Loans / deposits | 94.76% (p91 of band) | 70.11% |
| Liquid assets / assets | 18.28% (p12 of band) | |
| Uninsured deposits / deposits | 25.35% (p47 of band) | 26.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.32% (p70 of band) | |
| FHLB advances / assets | 5.32% | |
| Tier 1 leverage | 10.55% (p65 of band) | 9.79% |
| Unrealized securities loss / equity | -0.02% (p24 of band) | 0.82% |
| AOCI / equity | -0.09% (p83 of band) | |
| ROA (annualized) | 0.96% (p31 of band) | 1.18% |
| Net interest margin | 3.16% (p38 of band) | 3.35% |
| Efficiency ratio | 55.22% (p29 of band) | |
| Noncurrent loans | 0.07% (p21 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 1602.90% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 72.28% (p80 of band) | |
| Auto loans | $252,000 (0.08% of loans; DQ 1.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 | loans exceed deposits | wholesale funding >15% |
| 2011-09 | 2 | capital falling | loans exceed deposits |
| 2011-12 | 3 | loans exceed deposits |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 1 | charge-offs p90 | reserve under noncurrent, loans exceed deposits |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 | loans exceed deposits | charge-offs p90 |
| 2013-03 | 0 |  | capital falling, loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90, construction >100% equity | loans exceed deposits |
| 2015-09 | 2 | loans exceed deposits, capital falling | charge-offs p90, construction >100% equity |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | construction >100% equity |  |
| 2016-06 | 3 | liquid assets <10% |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | construction >100% equity |
| 2017-03 | 3 | charge-offs p90 | liquid assets <10% |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | liquid assets <10% |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 1 |  | liquid assets <10% |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | liquid assets <10%, capital falling |  |
| 2019-12 | 2 |  | liquid assets <10% |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | capital falling |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 0 |  | loans exceed deposits, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |

## 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
- 2021-08-25 [Germantown-based First Capital Bank to be acquired by Planters Bank & Trust Co. - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOd3ViMDVlRnNZZkJ2RkU1ODlKRkVFcmdsamVPTFplUWQzalFzM3BIOFZJcnFseHZOYlRCQ0ZkNGZXeUZUS0tNSEhraElvVENNNHhiOGJkMmZqb3ZvREUtejdjWTJlZ3JuaVd0ZmxGaDBaZUM3NTUxSzdFUGF6cV9qVjFwR2ljNWRxNkZHU2ZsNFIzVWxOUTl2VVpma0NHYUlTZThDb1J0UnprQ00?oc=5) · The Business Journals
- 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
- 2023-05-12 [First Capital Bank halts shares trading on the Zimbabwe Stock Exchange - african markets](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQS2xiakg3YTZmdFVfWWpQY2NDVDhfZGc3MTItWU9pV2sxSVU4Q3E1LVNtQ2xMdHVwUkRwS1Exc2JleXpsT2pMOExVYm5GU1p1Qmt3enl1c2o5UlpZQ3QtNjhqUE5wemxvRXV2ck1wSDJiSGVrek5Xd1Y2N1dmRWhHMndDQWdGQkE1Y2dkRk9Ubk5xdnNqenZvTGRkM1JhbEZ2eUthUmsyRTNKc2d3N2JpWGJscFZJUmdiTjNKbUcxSHY?oc=5) · african markets
- 2019-03-04 [First Capital Bank Replaces Barclays System - 263Chat](https://news.google.com/rss/articles/CBMid0FVX3lxTE5iUHpxOEtPbnJxR1JZRmJZYk43V0ZXUUV3S0NFS2dqcHB6ajlQcmVxY3VGbUtObS1YOS1WcFo1ZXM5V3NRMDk1dW5pb01VWjlJWHUtdTlCY0h1cGZTUzltQ2tVUkM3ekJ5M195RG5NZXNoYjd3eG1z?oc=5) · 263Chat
- 2021-09-10 [All Zim banks daily debit card swipe limits - Techzim](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRktsWVJYclc3T3hBbXg5eTZfY3V3cXJQelAwcURtemp2Uk1sdWc5QnZOejBNS2RpczlsQ0JDcllRLTJmTlhxM0VrbmdtT0t6cTdEcEs4MTFoM1cwRkpWQ2F5SzVPWFAwcEJYSkhVNGFVdjdteVNYdWxhV3F6cjRDbUtib2o?oc=5) · Techzim
- 2019-11-19 [Steward Bank Facing Intermittent Challenges Alongside EcoCash - Techzim](https://news.google.com/rss/articles/CBMinAFBVV95cUxPUjdZdW9JZmJDZmpUQi1iWXhfUDA1Zld2NVZGSkY2a1o3YTUyR3c0djNuMXFxdnczVkMtOEM1Z1dXWHlHRWZTbl9lTzVRVWFjbWFwcHdMbEF1MEtaTEUyVFVnZmRLOXIxeW16MjBnWDNTLVI4RGMwdXUtN0VQM2x1Ui1rcTJjRzBRQjVBVDBMN0ZaUm1GS3ZfclphYU4?oc=5) · Techzim
- 2026-09-05 [Banks take divergent paths in half-year performance - heraldonline.co.zw](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNLU1fNlRTaEg3bVloRkpycU42QldOM2haTWZJWDQ4SGdUQXppQkZPbFMxdTBBeGFlZUdjbkZIaHR1TXFkQ1lTSl9lbDdaZFVlWnFFUk10ZFdyRWV4b1ZUVmpGTWtJOEVPbHlUM3pIcVNIMUwzd2w0VW5wZms5Z1F3X0praGVnN2xTVEp3?oc=5) · heraldonline.co.zw

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57552 (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/16.json (key "57552", 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