# GEORGIA HERITAGE BANK
DALLAS, GA · FDIC certificate 58005 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $94.3M | |
| Deposits | $80.1M | |
| Loans and leases | $68.6M | |
| Total equity | $12.0M | |
| Loans / deposits | 84.72% (p65 of band) | 76.78% |
| Liquid assets / assets | 16.49% (p18 of band) | |
| Uninsured deposits / deposits | 12.19% (p36 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.11% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.35% (p36 of band) | 11.19% |
| Unrealized securities loss / equity | -1.78% (p57 of band) | -2.38% |
| AOCI / equity | -0.60% (p65 of band) | |
| ROA (annualized) | 2.18% (p94 of band) | 1.00% |
| Net interest margin | 5.52% (p98 of band) | 3.78% |
| Efficiency ratio | 52.96% (p11 of band) | |
| Noncurrent loans | 1.02% (p65 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p51 of band) | |
| Reserve coverage of noncurrent | 107.42% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 152.67% (p99 of band) | |
| Auto loans | $103,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **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 | 9 | charge-offs p90 |  |
| 2011-09 | 9 | capital falling | noncurrent p90 |
| 2011-12 | 9 |  |  |
| 2012-03 | 12 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 12 |  |  |
| 2012-09 | 12 | uninsured deposits leaving | charge-offs p90 |
| 2012-12 | 11 | charge-offs p90 | capital falling, uninsured deposits leaving |
| 2013-03 | 8 |  | losing money, expense ratio p90, charge-offs p90 |
| 2013-06 | 7 |  | assets shrinking |
| 2013-09 | 6 |  | construction >100% equity |
| 2013-12 | 6 | construction >100% equity | deposits shrinking |
| 2014-03 | 5 |  | noncurrent p90 |
| 2014-06 | 5 |  |  |
| 2014-09 | 3 |  | leverage <5% |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | leverage <7% |
| 2016-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 2 | capital falling | charge-offs p90 |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |

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

- 2018-03-22 [LGE Community CU To Buy Georgia Heritage Bank - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSjRsZXVuclFhSEdzZzcwbEprYW1uZmFlUTdtZms5WWN2c2VPMzdaaXVJenUxOEpPcVhpc01uU0dlNlB0Q08zNTJ3RXlIbF9IMzAxSWRmc0pXbWVNN1NPNmJhOXpySklHajVSVDdscU0yelB5M2VqRUw2dHlSVDN1ZGVFUUhacVNLWlE?oc=5) · cutoday.info
- 2018-03-22 [Georgia bank to be sold to credit union - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZ0lMWGNfOHpJMVBpdTVRVWhOX3gtWjYzTTdzQlZlU3ZNZDQ2ZmZZcVZwSEdCMGVSZjVheVpKVkNwamxHZU8ydWN1bGF3SW5KWGpOUkZLVWZVb25RcW54djl6bmYxMExVNnU4OUZPa3gzVkxQMVNDWjVOUmRjWDlLVlhJWXRWV0VV?oc=5) · American Banker
- 2018-10-02 [LGE Community Credit Union completes purchase of Georgia Heritage Bank - Marietta Daily Journal](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNRlpzRXVJUjBlT0MwczZNcmtDZTh2REVTRzZ6MnM3eDdTUzJiR0hJUlVnbDFsSlNBbUZyMWlTa0JCaHBpVnIzaE1NR2lmVVdUME5CWW1RYzZuRHp6Q2EyTnVLMmxLVUR0UXpjV1dOejdDMGpDcFRwTE9TWVplNHNiNjFOZjVvU3NBclVfSWlFZ3ZnR0ZFdEhKN09NYkQzRDZtY2FMa2NIbEV5bmttXy04R0J6NFNiOTZmNHFqTGdEeHluSVhMeUk0RW1rU3U5U0ZfRnlUN3ZNdjdQNS05WFlKQi1xU29SS1RmbGJmMUhwZmYyLWxiNlNyQVlhRUI?oc=5) · Marietta Daily Journal
- 2020-08-26 [LGE Community CU to acquire Georgia Heritage Bank - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxQUzNyVGVCalRRN0xsRUNoRFJpMVE5b3RCN0R1dm02MHcxdUt2OW1QdDhzX0hoWGRIQlROSEJrUWZxVVZaRFV6T0Jvb1lpbHVtVnBweXQ0WER0SWZ5YzRnaGZtTGFjd0FyZVh6amVJVHR6TGl1U2twaWRETGc3V2xvZ3g3YURfaUJQRF9xajVIR0xKVFRqcDRqNDVyTGdXUW1qV2o2MEJtTTdGa0xR?oc=5) · American Banker
- 2025-04-04 [Marquis Who's Who Honors Anna Harvey Carter for Expertise in the Mortgage Industry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOS1NQMDByeEJfdmpfWUppZEhmenFJRjRuSDZMWi1EUW9GWmN6T2gzNF9xUFdFNTRhZTlYV1U5MWxzdl94Wm9lYzNVR3A2WWhySzJTTXF3NHNmUGR6TEJMajhVS2J3R2dkYjM4SHZ2SS1GLVFOYXVic0tkQXh4T2NPczFUWlc0cm1oOUhoNWdJbEc4TUcyQkF6Q3JIU0tKSS10eWlIZ0pTOVlSOXhLVjJXNFFxdi1rdXVhUklGZ1ZoVXVFQS10OXZQLUZlMTV0NTlD?oc=5) · 24-7 Press Release Newswire
- 2026-07-27 [Mrs. Gwendolyn Swafford Hicks Obituary (2026) - Dallas, GA - Benson Funeral Home - Dallas - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQbklyd0NYX3ZRdGNNNGp0QVZfVXd2MEQta0JRMndVQ0ttbk01aXhyTHptSXFKSzFVTEpWVUpOZzNkRVczcElzWGdNSVJtSmJBWmwzcUR3YWNwaVhiZ0JQV2MtTFFjNjRqNUlkTEE2cUcxek1YaEczRVRnS0xYYTREbVlyaVg?oc=5) · legacy.com
- 2017-03-31 [Flight 242 service at New Hope Baptist Church - The Dallas New Era](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdU1yTFVKX1g5WVhNbC00QXdBVWIxcmNCY1otWWFEeUJZQ2ZQOHZNQ1hhVDJKZGhtQkdmOFM5YjZHdzBXUy1ZSGtuWk5Nck90S256VkUyTUNIQ3dKZ21TQ0QxMXlKcTRWMVUxQjdvZjQzZ2VqRHNHcDhEeDJsanJWaDdDdWcxY0VVYm4xZGpNd3dJa0dzSDRqLQ?oc=5) · The Dallas New Era
- 2015-02-18 [IV-Friendly Wagons Improve Kids' Ride at WellStar Paulding - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxONm5mQTkydVp6Vnh1c1BBbmRGQTFEMjAzYnp3UV9iT2tJWFZMcGFUYXlkV2h2bkNTXzJLRHpOVU9sM0xMaTBzQmc5Vm51QmZyNGlOUEhSellvZWg2Z3ptS0JHM1Nja1hLVDBvWXhqSHdrNXllWEhNVV9WcThSdXNwbzNocXdsN1hSZDVuVFlVanFMOFpQc1RJQ1ZYVQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58005 (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/21.json (key "58005", 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