# FIRST NB OF DECATUR COUNTY
BAINBRIDGE, GA · FDIC certificate 57694 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $359.6M | |
| Deposits | $330.8M | |
| Loans and leases | $267.9M | |
| Total equity | $22.7M | |
| Loans / deposits | 80.23% (p46 of band) | 82.04% |
| Liquid assets / assets | 19.42% (p30 of band) | |
| Uninsured deposits / deposits | 21.76% (p35 of band) | 25.97% |
| Brokered deposits | 15.59% | |
| Wholesale funding | 16.90% (p90 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 7.42% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -21.56% (p21 of band) | -8.10% |
| AOCI / equity | -0.80% (p30 of band) | |
| ROA (annualized) | 0.26% (p6 of band) | 1.28% |
| Net interest margin | 3.59% (p33 of band) | 3.91% |
| Efficiency ratio | 89.31% (p95 of band) | |
| Noncurrent loans | 0.36% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 260.19% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 103.50% (p88 of band) | |
| Auto loans | $1.2M (0.46% of loans; DQ 3.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 4 |  | losing money |
| 2011-12 | 1 |  | brokered >10%, wholesale funding >15%, charge-offs p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 2 | capital falling | NIM <2.5% |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking |
| 2014-09 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2014-12 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, charge-offs p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 4 | construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 5 | brokered >10%, expense ratio p90 | uninsured deposits >50% |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | construction >100% equity, brokered >10% |
| 2024-03 | 7 | losing money, construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 5 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 |  | securities losses >30% of equity, construction >100% equity |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 4 | brokered >10% | losing money |
| 2025-06 | 7 | wholesale funding >15%, construction >100% equity, uninsured deposits leaving |  |
| 2025-09 | 6 |  | securities losses >30% of equity |
| 2025-12 | 6 |  |  |
| 2026-03 | 5 |  | capital falling |
| 2026-06 | 4 |  | uninsured deposits leaving |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57694 (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/30.json (key "57694", 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