# HAMILTON STATE BANK
HOSCHTON, GA · FDIC certificate 57810 · asset band $1-10B · latest filing 2018-03 · stopped filing (departed)

**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 | $1.78B | |
| Deposits | $1.57B | |
| Loans and leases | $1.30B | |
| Total equity | $187.3M | |
| Loans / deposits | 82.05% (p34 of band) | 89.39% |
| Liquid assets / assets | 23.90% (p59 of band) | |
| Uninsured deposits / deposits | 10.98% (p13 of band) | 25.84% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.72% (p12 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 10.21% (p55 of band) | 10.01% |
| Unrealized securities loss / equity | -2.50% (p48 of band) | -2.36% |
| AOCI / equity | -0.86% (p55 of band) | |
| ROA (annualized) | 1.44% (p75 of band) | 1.15% |
| Net interest margin | 4.25% (p89 of band) | 3.58% |
| Efficiency ratio | 56.34% (p32 of band) | |
| Noncurrent loans | 0.65% (p63 of band) | 0.48% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 132.06% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 91.56% (p90 of band) | |
| Auto loans | $257,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 335 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 | losing money |
| 2011-09 | 4 | capital falling, charge-offs p90 |  |
| 2011-12 | 2 |  | capital falling, charge-offs p90 |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 2 |  | charge-offs p90, capital falling |
| 2014-03 | 3 | expense ratio p90 |  |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | uninsured deposits leaving |  |
| 2015-03 | 2 |  | uninsured deposits leaving |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |

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

- 2017-08-27 [Hamilton State Bank sells stock - Gainesville Times](https://news.google.com/rss/articles/CBMiekFVX3lxTFBMd1gweHVaVElLT1U1cFJYQ21CMGxmbmNWc2pGRnhvYWhlUk1PSXliZTVLTk5rUzdfVlozaHJERVNqS0VfSzJMRzBTNFJISkRrRDVQUkZUYlQzSWMtY3RRS3lVa1o1S0NpNGNad09wbGxwZXhVQi1HRjJn?oc=5) · Gainesville Times
- 2011-09-15 [New Owner To Expand Good Shepherd Place - Georgia Bulletin](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPYzNsSVdSNlFiQ3BQZEtjXzBNb3pLSThoVVlhVWhSTGgyUmRKV1VtZWVGb1NtXzdROFRzQ2FPWGY4NnNqS2o4cmRoY2tocXZGd2l3LU9qenh4UVNjWlZ6N0N1UzJROHN1NThlS1BvSnZsZkt3QldjcWNTYl9jeEJ3Smo3TUcwci1u?oc=5) · Georgia Bulletin
- 2018-01-26 ['Freedom Fighter Bandit' bank robber strikes again in Georgia - 11Alive.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQMTd2dWNCSHZKanR4VEhjUEVoT0Y4OGtvSFZ2dEJlTkg2Z3ZPUzJoWXpvZFU3eERJeC02dWJjZExaRVU5UTN3TzAxMFFKT2JINzF3aDE0eVZNWGFFdXA3bGp6Z19JSW5jRnJYMHMwaG9iN2ZDNXVXZVFnMkhKTEdMVHZMNTlraU1LbUI4dUZreHBTdmcyaTZUT3RVTjFYZXdzQWdfb2RB?oc=5) · 11Alive.com
- 2016-05-09 [Suspect in Jackson County bank robbery returning soon to Georgia - Online Athens](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTkg1ZExRZ1dDMHV3S0tSaS1qWHYxb05leUl4cm9wbHdtaXViWTFaZGVPSmJXMDdMRzF2ald3eEw5N1RIX29PWmhFSnNzUnd3N2FMZWpyMmFvVVVGRkhQcmluVkVUZzVlMnRTUzZ2V2ZqQlpZd2pTYzVKb1ZlR1FEQ005RE9CVHlGcEc2alRRNkg3WWhDZnVOUGdJc0JVYkpHTzFiaEFwWXJsNUhHRjRpSjBSQVcxZFI2UHlsdE9peGhFcXo2bzdV?oc=5) · Online Athens
- 2018-01-26 [“Freedom Fighter Bandit” continues bank robbery spree - 95.5 WSB](https://news.google.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?oc=5) · 95.5 WSB
- 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
- 2021-07-23 [Hamilton State Bank acquires failed Douglas County Bank - Gainesville Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxOcVJIVVBOY2tvVjBNVzQyRGVXd1lCc1h2M1REOUNkcEpZZzMwaFkxSURLWUE5cDJxaVZ2c19IR2ltRDVJT2h1SWVBNEY1ZTEzRHl4cUpaOXh6Q0Q0T1pRbWRhMXRWTFY5X1NIS0Q4VU9Rd05neG9LcFh4eVluUGkxdF92SHJQVU9vWTJGRmYyMXFFVWRNemtRQXl5N3JSc1FoVndDcmZSYzBFcXNMRVRXNmd3?oc=5) · Gainesville Times
- 2018-01-19 [Update: Suspected female bank robber dubbed The Freedom Bandit arrested - Monroe Local News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPLVJWODBOOHozVWVNOFFpUHRGSVItS3V1UTlCVGExTkNnOTFwczBCd0sxMUZTek9DQkRfQWFLenczclp3N3FoZDMzSUJZV2ZpT2tCcVU2b1RqTEpOYnpKMTZ0amJYVnF6VkNXa1FFMVV0ZTJnQXE4ZDE2RmJCcjlTTEVVcjZERkxmbkgwQm9SZUxBWVpWUmFDUnNWbGR1aThoMFE?oc=5) · Monroe Local News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57810 (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/18.json (key "57810", 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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