# NATIONAL BANK OF COMMERCE
BIRMINGHAM, AL · FDIC certificate 57764 · asset band $1-10B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $4.28B | |
| Deposits | $3.52B | |
| Loans and leases | $3.38B | |
| Total equity | $690.4M | |
| Loans / deposits | 95.44% (p68 of band) | 89.50% |
| Liquid assets / assets | 10.40% (p8 of band) | |
| Uninsured deposits / deposits | 57.19% (p95 of band) | 26.63% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.71% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.50% (p57 of band) | 10.25% |
| Unrealized securities loss / equity | -0.03% (p72 of band) | -0.59% |
| AOCI / equity | 0.30% (p21 of band) | |
| ROA (annualized) | -0.48% (p1 of band) | 1.16% |
| Net interest margin | 4.83% (p94 of band) | 3.61% |
| Efficiency ratio | 109.32% (p99 of band) | |
| Noncurrent loans | 0.42% (p44 of band) | 0.48% |
| Net charge-offs (annualized) | 0.14% (p85 of band) | |
| Reserve coverage of noncurrent | 118.02% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 52.92% (p61 of band) | |
| Auto loans | $2.6M (0.08% of loans; DQ 0.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 36.6% | |
| Employees | 623 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | expense ratio p90 |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | uninsured deposits >50% |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | run vulnerability | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 0 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2016-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | capital falling | uninsured deposits >50%, run vulnerability |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | liquid assets <10% |  |
| 2017-12 | 0 |  | liquid assets <10% |
| 2018-03 | 3 | uninsured deposits >50%, liquid assets <10%, run vulnerability |  |
| 2018-06 | 2 |  | liquid assets <10% |
| 2018-09 | 3 | liquid assets <10% |  |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 5 | capital falling, losing money, expense ratio p90 |  |

## 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
- 2018-12-05 [What the acquisition of National Bank of Commerce means for Bham - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPbVlZVUFXMWdhR2JMRHc4Z0Jva2l1NVNKaFZGU1VMa3JUaExqd1I3S2NhRkE3NFZIVVhsMlA5ZElFODB5Y2JVSlA3RGpMZHotY1JhcDA1M1lwaXM2QTlzQmQzZFRhWVF6akwxc0RoUFczcXBLSDMxUHV4dGh1WGI0dWhwNlA4WUhoSU1BY0ZBdm1FN0pidVY3Wk9DV0UzYmRBQzRKOWtJX0xNamxPdGc?oc=5) · The Business Journals
- 2017-04-25 [Patriot Bank Enters into Definitive Agreement to Join National Commerce Corporation - Florida Trend](https://news.google.com/rss/articles/CBMixgFBVV95cUxQbi1NVG9wQ3QxcWpCZ2t1eW5OMGtTeGFyaDI5b1RuOS11dWM5R2JWYk1DUVJiTWRhcnR3MjJtcUhWWHQ2UkEtQ1NJeFVCNWNIU0FzZEgtRHg5SjQ1TDhNQ3JwcGZvQnczRGk3R2xBVTJKTHExVkhPeDROOWFLcFd1bVgzbnNJWDU2Vk9yNlNIUFhQWkhFS1JmVHRwX0psd0VGZDI3czdxdFY3REJzNE1rZ1lzRFVZLTF6YVFzWk1yek5Sa25nWVE?oc=5) · Florida Trend
- 2018-08-01 [National Commerce Corporation Announces Closing of Merger with Landmark Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPSzJaYmZ1OXU4c2p6cW15djhJOWg1RU5qUFNlcjVIYnV4ekdFdm96OWQ3bTJEenZXXzhXYWZOQ0xmcGhvRkNhaXlPZjAyWE5kUnBqNWlvdXNVRnRVTDR2dWItWC1ackFVMm95YzBrdVI1TmJORjlCSERZalo3ekxZNTFIVWM5SlRuYktHbmhicHdTMURiUkZPQ01wVU8tR2hUVGtnenE5OUpjU2RCX0FuNzJZdEREUFlsYW9weXRUbFhnR0xkbUJBNHlqV1cyb282UkVkc25tMC1PdzNvY3dMMUN3N3g1SVZnRUE4SmI3Y0pzaG5a?oc=5) · GlobeNewswire
- 2012-09-26 [Five questions with Richard Murray, CEO of National Bank of Commerce - AL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQR2RwSXBiV3FUT044MGZITVNjSEV1QkRnNWxJSGozSU9NRldfUzBoMjdCYWVSZGJmeGxaRk5ubU9acmFRN3VPVVBVSEotd2FHaGpUTTU4c082cERxVXlmczFKS0RoaG1MWUVMS0Z5c3B3NVVfek53Z0RUaVhYZmNyQg?oc=5) · AL.com
- 2018-04-25 [National Bank of Commerce acquires Marietta bank, creating $4B institution - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOR1JDRHo4em5iRHpBWUkwUzYzVGNrcEZKRE1TRUNScG9uWXhpZS1uTjJkeXpMYmJuTk1MaXo2M2llXy1sSWxOX3J4aWprV3dhUEJ5b0VHYVItcjJYbk0zOWwwTXRwTFhSbDJvZ2NfZ2pPRGZ0dkpkMXZwa05peDh2OHVGRThtNEtpdFU0OGkxRXFhUU1LTzMxMXU3b2JiVDlIQmVzTk5ZbzE?oc=5) · The Business Journals
- 2023-04-26 [Thomas Hester Obituary - Tuscaloosa, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdXBHQ3JhbDJIZmVFWHJBd0R6aXJuU1U4NkF2TTY0TFp5OHpaOEF0Sm93bjZkVzJIU2tfVktBWHFTNXdqSzRqYnN0alVkYncwWHNnWmZsT1UwMF91S1B5RlFWMGlNc0JvQ0pEamNycnVyUzBDVDdBZjVPYjM2blVueFVFZWk4QQ?oc=5) · Dignity Memorial
- 2017-04-04 [Birmingham bank names new CEO - AL.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBXRFJrYkxNVXRWWTcydDhmZW8yY0J1VnQyOU9VaFYzVHVLa3Q4Wnlzb0MtV1FKcXUyaGs3aU1MbXc3NFVuYzNQSnF6WVBwX1RncUd4N0EtZ245S29pUWl3UXVjWnpVYU85RGdTRXJrMEtVS0hXeXhRaDln?oc=5) · AL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57764 (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/36.json (key "57764", 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