# FLINT RIVER NATIONAL BANK
CAMILLA, GA · FDIC certificate 57786 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $19.2M | |
| Deposits | $17.9M | |
| Loans and leases | $9.4M | |
| Total equity | $1.2M | |
| Loans / deposits | 50.09% (p22 of band) | 68.03% |
| Liquid assets / assets | 45.22% (p68 of band) | |
| Uninsured deposits / deposits | 21.03% (p81 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.01% (p2 of band) | 10.34% |
| Unrealized securities loss / equity | 1.05% (p78 of band) | -0.15% |
| AOCI / equity | -0.16% (p4 of band) | |
| ROA (annualized) | -1.73% (p2 of band) | 0.74% |
| Net interest margin | 2.94% (p17 of band) | 3.59% |
| Efficiency ratio | 151.23% (p99 of band) | |
| Noncurrent loans | 14.98% (p100 of band) | 0.94% |
| Net charge-offs (annualized) | -0.02% (p16 of band) | |
| Reserve coverage of noncurrent | 33.38% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 42.24% (p77 of band) | |
| Auto loans | $143,000 (1.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -25.7% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | noncurrent p90 |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 | charge-offs p90 | losing money |
| 2012-06 | 8 | capital falling, losing money |  |
| 2012-09 | 9 | deposits shrinking, assets shrinking | capital falling |
| 2012-12 | 7 | leverage <7%, uninsured deposits leaving | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking |
| 2013-03 | 9 | capital falling, deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 8 |  | capital falling |
| 2013-09 | 8 |  |  |
| 2013-12 | 8 | capital falling | uninsured deposits leaving |
| 2014-03 | 7 |  | capital falling |

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

- 2023-08-29 [Alabama credit union agrees to buy Georgia’s OneSouth Bank - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxORFIxTFkxOEkwb1c2SV9lakJ6MTk2elF0UWdsaXoxZkJyMlVrTHl4QlJpTUVxeE9GRWVCdVBMT3pycXJzVEhIal9fZTZVYmlqeEJCUWIzMk1xNVFVMG5QMmM1aFlkYUFQZWdRZS1LZk5oemdIMzdsSy1uWFF4SHpJR2UwdjlBQmIwLUNGcDkweTU0Q1c2eU1fUzRDVkNRZS1rQW51LUNwNVpCVzVXamtn?oc=5) · Banking Dive
- 2023-08-31 [Make It Four! Another Bank Acquisition Announced (2 by Same CU) - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRndTOWpTR05MQllLVFhCcUV6WW12M0FuejB2TU9xT3BNTHlUQjcxSWdhN2NkUUZNTjNCZ2o0ZlczT3BmQUJSbDhaN3o2NkYzd3dTTHYzdnduZHhwTnpyM3BXcVpvSXdBaUhWTFlCak9vX2FrRk9yTS16YWllbHROc3JiNU9IdFdOUTNhdUxBM253eXRZTWNKcDc1SnpoWU0?oc=5) · cutoday.info
- 2023-12-28 [Shaky economy slowed credit union-bank deals in 2023 - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTjVfS01SN213NXlGNlczd0JXYUFldDlTMkx3cTFKOTZYZDZabk5wenoyRmZJT0pva0VqUTUtNDExVGRDWTZyVEtTd3BKSXJ1dWNhbnl2N2xHZEVQb3Z5azF2SjFfU2cwNHNsRE9jcnNmTEJYWFo2S1J1RVpXQXZNNXcwcU1NVDJoUGRPdlNLbDl1a2dsNTNqSGJEdmxrMmhueERJ?oc=5) · American Banker
- 2023-09-01 [Alabama, Michigan credit unions buy banks in torrid M&A week - Banking Dive](https://news.google.com/rss/articles/CBMivwFBVV95cUxOSVFHM2NLd1dZc25jS0hGNFBJYV9MQ3FrbFZ5VUo2WGdaQXdaendyQVl2YzNYMXZfUkhHUVpYTzlvT1Bib3FPQlJMdG9feEJ0ZGwtMkExZ1hQSk44bXNqZEkzUzNpZjJaSVJRdFhCQlpCMWk3QzdjZkUtY2VNeExjN0hiemM2V0Y3UVZ5Ul9QaWNTLUNlby00bjBQTUdsX252dVRlUmNtMUg4VTBtRjJvUzhiUkg4OWMwZnF0VW11RQ?oc=5) · Banking Dive
- 2023-08-28 [Five Star Credit Union is buying a third Georgia bank - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVUEtTnktNXh2S3l5Y3UxaTNqUUE4VjVacVZFbHJ4VXpaeDNWV3dvYm03Y2I3NDlZSmJ2YUdhNGc0Z2E3ZTFjdF92cnQ1NGdSSnAwRHR6N09TUmpzS3lDSE9wRjh5SzItN1ZzNWtYajlxVk9QU3VSN3p1NXZpQzgwZ0Z2bjZmRlAxbmJJWGc3aF9sem1uWXEyUDREY2xEX0tJX3RhOA?oc=5) · American Banker
- 2013-12-02 [More Banks Expected to Sell to Credit Unions - American Banker](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZDVQNEFnNHBORVJrQzdETVI2UWNQTUtOMnc4R29LQ0RuYVRIVVV2MEZZTFFTMUVxMEJBd2tZVVFLNFZpd2FRek51YmRUMVZDOXp2RklvZGJzNUJzV3U1SVUzel9QU0lXT1lOR3hYM21pZkxtWkU4VWNYbDM4Z2luZHFMSm4xR2M?oc=5) · American Banker
- 2023-09-01 [Two credit unions are on a bank shopping spree - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQS240cTRJelJES2kxcGZJSWVaeHRndmxBVl8zaFNDWVFMRnI0aEloUkh6TFBFM1BkdDExdFpuLVRLa0FNZkU1WDhnMHNLRXduSHM0ZmFKRFJDQXdOWlVaMXd6MzU3X0NtLWxucGhYNWJrd3I5Wmhhc0FVQmtleGw1TndUVzZXQ1d3WjFNdTRrWnh4ZG9XbkZDWURDWQ?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57786 (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/58.json (key "57786", 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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