# MOUNTAIN HERITAGE BANK
CLAYTON, GA · FDIC certificate 57593 · asset band <$300M · latest filing 2011-03 · 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 | $103.7M | |
| Deposits | $89.6M | |
| Loans and leases | $58.0M | |
| Total equity | $1.1M | |
| Loans / deposits | 62.83% (p34 of band) | 70.88% |
| Liquid assets / assets | 26.02% (p33 of band) | |
| Uninsured deposits / deposits | 1.80% (p11 of band) | 7.86% |
| Brokered deposits | 2.06% | |
| Wholesale funding | 14.60% (p89 of band) | |
| FHLB advances / assets | 12.53% | |
| Tier 1 leverage | 1.11% (p0 of band) | 9.71% |
| Unrealized securities loss / equity | -19.49% (p3 of band) | 0.79% |
| AOCI / equity | 11.12% (p100 of band) | |
| ROA (annualized) | -6.46% (p1 of band) | 0.66% |
| Net interest margin | 1.56% (p2 of band) | 3.79% |
| Efficiency ratio | 236.15% (p99 of band) | |
| Noncurrent loans | 18.43% (p99 of band) | 1.53% |
| Net charge-offs (annualized) | 4.18% (p99 of band) | |
| Reserve coverage of noncurrent | 16.01% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 2562.55% (p100 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 20 | |

## 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 |  |

## 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
- 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
- 2017-12-28 [Edwin Poss Obituary (1927 - 2017) - Clayton, GA - Athens Banner-Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRWVsVHVVNlFHSlU0cVV4MFUtU1RSTUFETnlwTFZlOGdCcldLR2F1RGFYVkFwT0V3UnJNOG1saHN3dDMyZ0xDTFJ6ci1FSF9YTlpNM1lidFNITURHdWVBdVNkajNTa3lyczRKcHB3SmZpbEtmWkxNT2JDa1pnZ0RpQy14UW9sN3hsbDZ3RHFtOA?oc=5) · legacy.com
- 2007-11-09 [William Jones Obituary (2007) - Clayton, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZ0paS2Rrb3phR3plZXJVcjlLSFk3c2hjQmcwMGc2VncyRWVzU1lFS1JRYjJJYlQ4b1NpOHpZeDR1TFNpTlBnRC1Ua2ZWSTlPNDVNNVhld2hjQzhNQ1I5NVFGYmVCZmU3M3RUTFRhLWdpQU1oUVlPTXZfcndZUlEwekZaRTRnSmZFMG9rVw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57593 (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/57.json (key "57593", 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