# NORTHSIDE BANK
ADAIRSVILLE, GA · FDIC certificate 57994 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $131.4M | |
| Deposits | $119.6M | |
| Loans and leases | $85.3M | |
| Total equity | $11.2M | |
| Loans / deposits | 70.36% (p37 of band) | 77.89% |
| Liquid assets / assets | 26.41% (p42 of band) | |
| Uninsured deposits / deposits | 17.46% (p58 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.41% (p5 of band) | 11.44% |
| Unrealized securities loss / equity | -1.69% (p3 of band) | 0.54% |
| AOCI / equity | 3.29% (p64 of band) | |
| ROA (annualized) | 0.01% (p5 of band) | 1.03% |
| Net interest margin | 4.30% (p77 of band) | 3.82% |
| Efficiency ratio | 96.63% (p95 of band) | |
| Noncurrent loans | 2.06% (p84 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | 63.48% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 126.91% (p98 of band) | |
| Auto loans | $170,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | noncurrent p90 |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 7 |  | capital falling |
| 2012-03 | 6 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 6 | noncurrent p90 | uninsured deposits leaving |
| 2012-09 | 7 | uninsured deposits leaving |  |
| 2012-12 | 7 |  |  |
| 2013-03 | 4 |  | leverage <5%, uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 7 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-06 | 6 |  | expense ratio p90 |
| 2014-09 | 8 | capital falling, expense ratio p90, uninsured deposits leaving | construction >100% equity |
| 2014-12 | 10 | leverage <5% |  |
| 2015-03 | 9 |  | uninsured deposits leaving |
| 2015-06 | 11 | construction >100% equity, assets shrinking |  |
| 2015-09 | 9 |  | construction >100% equity, assets shrinking |
| 2015-12 | 10 | assets shrinking |  |
| 2016-03 | 9 | deposits shrinking | noncurrent p90, capital falling |
| 2016-06 | 7 |  | reserve under noncurrent, assets shrinking |
| 2016-09 | 8 | assets shrinking |  |
| 2016-12 | 7 | capital falling | deposits shrinking, assets shrinking |
| 2017-03 | 6 |  | charge-offs p90 |
| 2017-06 | 3 |  | leverage <5%, capital falling |
| 2017-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2018-03 | 4 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 7 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2018-09 | 4 |  | leverage <7%, construction >100% equity, assets shrinking |
| 2018-12 | 4 | construction >100% equity | deposits shrinking |
| 2019-03 | 5 | capital falling |  |
| 2019-06 | 4 |  | losing money |

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

- 2026-05-19 [Carolyn Rehn Obituary - Cartersville, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQX2tyeS1hcjJGeWEtQkEwbzFhbmIwOWJZbXpNbl9Nc1hwNzluelJZeE0tby1xZWJacUp4WExTT3JvdmZLWHRrSkV1TmU5TFpCU0FXbW9YeGZvVzNLRGJPOFRoWXVXS3BBSDN3YVJXRjUxQklvQy1Fa3dUZkljSUF3QnF3N092UGs?oc=5) · Dignity Memorial
- 2024-10-01 [Barry Adcock joins Quantalytix - CUInsight](https://news.google.com/rss/articles/CBMie0FVX3lxTE81MzdPYjRBUDBlbElZVUlBemdEV3FkakkzbmdPTDEyWUhENTZRSDRZVXV0QjBmNk1WVVJQU3dFRzVCRl9PVGlEY25kcTBTNzlMS1lLT2hzQ0JMamRsZWFtdGY2Y0Rldm1kd3NTcV9KMzhaZExwNndVU3pZUQ?oc=5) · CUInsight
- 2024-08-07 [Riding a strong regional economy, a Georgia bank plans more branches - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxOa3FvQkFxb250elFBemYwWG5FYzUwVWV4bUtENVF1SlliWmZKZFcwYUZ1SlFwU0wwbWgyZ1g3S2ZORkFNN0puUFlVbmtwOXV5R2RMNXVvT1hoOVFyN2J4bzlqakdWMnZTUFYwUDE3Qmh2QUtmN0FoU0hJZTdmcXRKendpQkxQZDlfVTFfdUEtS3Q0VXRJNjdVM3pyT1I2bWY2a3V6LWJB?oc=5) · American Banker
- 2023-01-11 [Former bank president arrested, charged with disrupting Floyd County Commission meeting - The Rome News-Tribune](https://news.google.com/rss/articles/CBMimAJBVV95cUxOMHozdWdZSUtnWnA4WDlpcU12Mkc1cmZscEZSeEwzaW5rYnFmVTNWQWlFVmhlLVRtaHFTb0ZYUmJpT29OdV9zSXVBNEIxcWNkbnE1cTJhbU5Kck40bmV4TDVkblNpajh1V0VHYVozYmJaUVZiRUJtU0FmbjZfTVBLODFxUFFndjg3MFk4alBpTUJuY0RSNWl4UDlYMUtwdVhkNGlpM0c2X1dJNlltb2dRV213ZnpHTzVENXNFV1owTGZZcVB0UWY4QVJBcDJvOVZORzMtVExQOHlUTHNrOHhseHp4NTBtNUx6NzJqOXhvVzdoVG5EMTc5TTdON0N6QTdGeW16bk5iRWczUEpfMTRTLWFxbXljQjlZ?oc=5) · The Rome News-Tribune
- 2014-03-25 [Why Business Loans Get Rejected - National Institute of Standards and Technology (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdjVhT19Hc05RU3BraUlRR2NaOUpxREVZNXJsZkdBZUVFelVweDhWZHJRY0Q5dkFySWI3cUVoRHlwUlR5eXkyb3lPbFFQX25lYjM1SVFGQzg1bU5wSzlIY1luR3RMXzJlVnhpOHJMZXQycVRob3BnY2VFcDZQNFpicG00TFhtbXBkSldicVpXUGJWZw?oc=5) · National Institute of Standards and Technology (.gov)
- 2017-10-09 [Georgia Student Killed While Walking to High School for Band Trip - WLTX](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUkRJYW1jV2NNalVkbVZxT3JLR3BVc2pOT2ZfSzJfSHAxS3IzV1BPX1k4dU9yY3dIamhhMDZBSkVTVmhmWW9ENDJvWWpVN2RGM3ZPUkViaHVKLTAybmNsaHUweEVQN0x5cWczcEN3Wjk0UGpMQ0h1Z3l5RzNwUF9VQWRRZTROQUhOOXBaYU5yMGRrQUs3Sm5obFd4ejhOUU9kV280ekRWRWY2dDNTakRST09jbmltUFA1TDhydjBDZw?oc=5) · WLTX
- 2019-12-26 [Dan Greeson Obituary (2019) - Rome, GA - Henderson & Sons Funeral Home - North Chapel and Crematory - Rome - PennLive.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOclBZOHJXSVFIQ2diVEZwM2ZidEtmb0JoWHU2b0Q2VkxYSjBuNE9udzBQOHlUYlItOE5fNXlsLVFUbEQ1elhibVE0VWtpdjc1ZzBwR254LUo1N3dKQnA2T1l1b0x5SUVka0hoTzI4R2kxa3AxeGlVNklQR3M4QlFWR0NKSnE0aVJCbno3YTVIUFFHZw?oc=5) · PennLive.com
- 2021-09-29 [Harman Wheeler Obituary (2007) - St. Petersburg, Florida - Tampa Bay Times - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTXE1S3lDcl84Sk1IQXpxaC1LSkdhdDNXa210ZDhwNmYzRXQwQ0ZhbGswMWdhNlh0TEU0UDYtNm5rem9tb2dyZGwwd1dMVVhUejUyS3hUNl85aklUX2R6bGQzMGtoZE1aSEgxQ3pxT0R4VEdtZ2dWOUVwWGhJSXNCRWtfcFdmWnZTWFAwR3BGN2x6a3J3NGc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57994 (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/10.json (key "57994", 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