# BANK OF WALKER COUNTY
JASPER, AL · FDIC certificate 57640 · asset band <$300M · latest filing 2026-06 · live

**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 | $98.5M | |
| Deposits | $87.9M | |
| Loans and leases | $73.3M | |
| Total equity | $10.4M | |
| Loans / deposits | 82.29% (p66 of band) | 73.59% |
| Liquid assets / assets | 23.41% (p29 of band) | |
| Uninsured deposits / deposits | 26.46% (p73 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -6.78% (p49 of band) | -6.57% |
| AOCI / equity | -0.57% (p41 of band) | |
| ROA (annualized) | 1.49% (p67 of band) | 1.17% |
| Net interest margin | 5.31% (p94 of band) | 3.93% |
| Efficiency ratio | 69.88% (p60 of band) | |
| Noncurrent loans | 0.46% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 284.66% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 41.86% (p74 of band) | |
| Auto loans | $1.9M (2.60% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | assets shrinking |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | capital falling | assets shrinking |
| 2012-12 | 1 | uninsured deposits leaving | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 4 | uninsured deposits leaving |  |
| 2014-06 | 1 |  | assets shrinking, reserve under noncurrent, uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent | deposits shrinking |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 0 |  | deposits shrinking, assets shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | capital falling, losing money, assets shrinking |  |
| 2016-06 | 1 |  | capital falling, losing money |
| 2016-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2017-03 | 2 | charge-offs p90 | assets shrinking, deposits shrinking |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | construction >100% equity | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2020-06 | 2 | capital falling | charge-offs p90 |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | construction >100% equity |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 1 |  | construction >100% equity, deposits shrinking |
| 2024-03 | 1 | construction >100% equity | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2026-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2026-06 | 0 |  |  |

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

- 2026-03-25 [Mark Wilson retires as bank CEO; Sparks to move into role - MountainEagle.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOTFNTWFhLNW40R0xBX2loTXJuZEMwYzF5eDVOZkwxUmpkeDFZbWw0eFFPVFZuSHo1NXRSLUtPRXVwSHpqeFhUdElQbUlpR09hdnFzODVIYmh4VjJwYzdpcmZfNGVTU2RndXFFWTJQNzV6ZHNyMXpRR000bW05ZmNEWFRnRzNwZ3R2NENYcHI4Nng1bjFKVkFUWTlnYkRxMGtlM0dqMnVjWHJ1TV9NdjJZYjBfbUN6QldFU1l2dmlNQXBETW5oYmItY1ZQMVRiQk9pcEhOQlJWMGk?oc=5) · MountainEagle.com
- 2024-08-19 [William Haig Wright II - AL.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTG5RM1UxVERqcUFqQ1RweW1zdWxCUjN3U2RZSnVuQXg5dlRyUVRzaEEwWkVNNkJsTWxnT3lySlRlaE02S3RjalRtUlNIY1JkczZ6SFdUSjVGWlBOZC1jU3cyc2lNTmRUUzBEa2lDT0tRVXhzNTE3dlZVY1BBRlpsYWJWMkJVdlMySUZtUW1Gcw?oc=5) · AL.com
- 2005-08-10 [State Bankers Attend Alabama Banking School at USA - University of South Alabama](https://news.google.com/rss/articles/CBMimgFBVV95cUxQbzA1ZUQxbk11LW5FcFRuUkczTUp2NlVLVHd6N2RhaUFkMkNDdVVQaHlRWkMxZWRlMkQxYUtJTGpPSlVHSjkxS09jSDRPTWZWSjJhcC1TRlZOQ3U1SF9QVDctWTBsQThzSllxUmRJM0psclZIVlV1amY5elVaODNLSktlVl9tR29lbUUycWowTHF3NVE0VGNEZGNR?oc=5) · University of South Alabama
- 2025-08-25 [Jasper Main Street awarded statewide recognition at Main Street Alabama conference - MountainEagle.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOU3cwTUhUQ0otY1p2dGduX252OVNpYWZWLW16RmlNVHBzeVhhTkk3OVR4S00wWW5SMWpiTnM5WHN3YlRqWElHZ1lHYTZZOHo4aTJZMVlhVFdrNDduVUlLS05pWWo5QVh0Q2ZncldZb3VqMG85R0JUREJYS05fSTFLOTBMV2k0T3lwdnl6TXd2QW9fd1JGTEREaGN1clZVQnpaeUZGOVVWbnU5ZFZyQlZKaVc2Wl9tN052YUxEZ3U0OWlJVzJqVDZPSk5DQVNvX0FIcXM4LVlWSGd2Rkx3eTI1bEF3Q1d1ZmhLbDBUcXBucVg2RVFPaUxXcjB3WQ?oc=5) · MountainEagle.com
- 2018-12-09 [Charles Waldrop Obituary - Jasper, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPWHlZSmZxYTJnT2lwenZuSmJSQmVwME8tTUZjbUNzNlE5b2JfemxJdkJacnV0ZVFCejJrR3ozZlF0cHhWdU03NWwwTHNqUEFUQjIyWWxFcXRzUThoemhmV0hmdDcyX0tlb1dGUFhUWkRwZ0Z1OGp1c3BpLS1SVXN0b3Zn?oc=5) · Dignity Memorial
- 2026-06-13 [Scholarships awarded through Sydni Helms Memorial Scholarship - MountainEagle.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNRXhiMmphNHZHeE1NbHdHZmV6U2hSMHFpZTBfVE4tdDU0S2gwanFmNzlBZl8wb29vVzBOR1FqUDBnbHV2RWxWMmNEcjhXUll2OEl6MGp2SlR0YzFsanowc2RWbjVzRDdlLXVFUlhTQzlyWFlQVlhyQjZBYmVPTG02d0h0TjE1dkZKMXpQcFZVTGFiU3VpVDZlal9xYUFtT0xrUC02UThJZ0hBcjFLelZiVWxydEdzYmg2NklYOTlxelVwb3JsOWtQNmdjeExtOUl1eEpoRXltWkdHSlBxYVI4?oc=5) · MountainEagle.com
- 2024-09-09 [‘His life was turned upside down’ - MountainEagle.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNMF9pR0JXTG5TVlptU2lDZ0ZDUjhxemRQRWljR29BTllwdnVoVTVkSUlIMTZXRGpjUHdnVEV6akEtQzVOdnFvZHJHWktybE42VTY3dTdUdWg2OGZ4X19xMmJrTVhkZVQycWNrQ1VsaFk1dmFaQzJmUTdnYnIxUkdMTnhMZnZJRXZhV2F1WkdIeTdybTNob29xTTdQQTEtZ2dDZHYxcVNCTU5OWXQ1NDBnTmpwNVBBeGc?oc=5) · MountainEagle.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57640 (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 "57640", 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