# FLINT COMMUNITY BANK
ALBANY, GA · FDIC certificate 58074 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $357.1M | |
| Deposits | $310.4M | |
| Loans and leases | $279.7M | |
| Total equity | $32.1M | |
| Loans / deposits | 88.89% (p68 of band) | 82.04% |
| Liquid assets / assets | 19.15% (p29 of band) | |
| Uninsured deposits / deposits | 35.57% (p80 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.36% (p50 of band) | |
| FHLB advances / assets | 3.36% | |
| Tier 1 leverage | 9.06% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -0.15% (p94 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 2.10% (p89 of band) | 1.28% |
| Net interest margin | 4.43% (p79 of band) | 3.91% |
| Efficiency ratio | 51.96% (p22 of band) | |
| Noncurrent loans | 2.05% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p87 of band) | |
| Reserve coverage of noncurrent | 65.41% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 52.18% (p58 of band) | |
| Auto loans | $630,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, charge-offs p90, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 2 | brokered >10% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | brokered >10% |
| 2014-03 | 1 | brokered >10% | capital falling |
| 2014-06 | 4 | liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 3 |  | deposits shrinking |
| 2014-12 | 3 | capital falling | liquid assets <10% |
| 2015-03 | 1 |  | brokered >10%, uninsured deposits leaving |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | liquid assets <10% | capital falling |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | liquid assets <10% |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | liquid assets <10% |
| 2017-06 | 2 | capital falling, reserve under noncurrent |  |
| 2017-09 | 0 |  | capital falling, reserve under noncurrent |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 1 | reserve under noncurrent | loans exceed deposits |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2018-12 | 3 | noncurrent p90 | loans exceed deposits, liquid assets <10% |
| 2019-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | loans exceed deposits |  |
| 2020-12 | 2 | uninsured deposits leaving | loans exceed deposits |
| 2021-03 | 1 |  | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | liquid assets <10% |  |
| 2022-09 | 2 | noncurrent p90 | liquid assets <10% |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | deposits shrinking |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | deposits shrinking |  |
| 2024-12 | 3 | loans exceed deposits | deposits shrinking |
| 2025-03 | 1 |  | noncurrent p90, loans exceed deposits |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2024-12-20 [Flint Community Bank CEO Scott Tomlinson named to Georgia banks board - Albany Herald](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOQWVrdGxQWjdMa0xLcTEzZ1pWaGtqTmY1Q0pab1pXZ3pPejZCTGJzd2ZDUTgxNHo5NmZxSzNudzBJM0ZxeWttRk1iWmlXc2lMNHJvS2tSckU1SW80ZFRuMXl6QVQ1V3B4NmFqQkc0WjQwUGhHSmh4dHNaR1ZwU1RqWU13ZVZydDNaUzdJbVNJbjEyWk1RNm9zZ3UxZnFvcVlQYTl0Q0dZTzhFUQ?oc=5) · Albany Herald
- 2024-12-21 [Jason Rooks named chief lending officer at Flint Community Bank - Albany Herald](https://news.google.com/rss/articles/CBMimgFBVV95cUxOd0NnUjRwWmpHQUxVdXdMSXBjbUdZLUFVNnRJcFlxMk8tQnFubmh4M2NpUExyZlc4ZVNNRTVia2dVQTNraDFmZDVuUUJoMU44bVVWY2dhZWs0UlZ3dkdkTG9kMUtrQVdRbEdPX21USWRNMDY2QUFzU0l0MWN0aVVKSk40cnJQSWNpbFprZThFNEUtcWtlcmtaak5B?oc=5) · Albany Herald
- 2025-11-25 [6th Annual Days of Giving: Helping feed South Georgia this holiday season - WALB](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVW1hZzNfRDJYSldlMk9Ob0wtclVtdFhkOHFkMnNUYnM3d3R5Nmw5NkNnY3c0eWVyNXlKcGRITXZLLVZEWjdjY3RlNWI2SUYwTzYtUDNLcDQ2UEZBMzEteXh5cUc1MzZZbUZHWHlJcG9RdFZKVzJ2VVdpSWhRN25EbE9ub3lRVThJQThDOHRFbXhEaHEtNjAzdmk5cTRGWVlVSUFVZw?oc=5) · WALB
- 2018-09-18 [Rev. Jerry E. Willis Obituary Sep 18, 2018 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTFBGbGI0Rk5lNVRFcm5kb2Z3Y3VOLVBLNmZSbVhhT1VDRzd1NHVIeUNPZ2s0dGFtNkFaOUtsLTJWNFFqUUdXOHFTdjd1SGlGN1ZkeFRPMFExT0s4RlJtUnpnaDRRaTJoTXFIalVKNVZqcw?oc=5) · Mathews Funeral Home
- 2018-04-30 [Mr. Julian Dell Bush Obituary - Visitation & Funeral Information - Kimbrell-Stern Funeral Directors](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5ucWJKLUlSemxUUzhTTFFPcURyZjJNYUsxRHVnWjFNVkNwU3I3UTlkM1lHdFJvRHZhdGgxTDBGY1RseElRSVhOa0FROEVzTlhsQjVWYVpZUVVMZ1BRT1hBc0NmZXZYUQ?oc=5) · Kimbrell-Stern Funeral Directors
- 2018-02-10 [Charles Curry Obituary (1946 - 2018) - Shellman, GA - Columbus Ledger-Enquirer - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVnIyZkZmS0ViUXdQWmM2MEYtaEhWLXFLd01La0h5VkNhRzRMZE0xcTFhQmxQOHIyVlpQamR4a0hhZ2hsUzJrZVRTc1BNTFBsVVlINW8tcFUzdEVkbnJKV3h0OTBacHdldXFPWjBDSUM4a3UwYlZKZ01DdDBrZm9acm5DN2I0LV9sWndzMTV3TjAySUd1ZGg0?oc=5) · legacy.com
- 2016-01-30 [Brittany Lauren Kerfoot Obituary Jan 30, 2016 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE9hdUppRUFoUkJVN1U5TnU5NExxak51MjJNSnRhdXBVNm1wWVA0czRRNURBcUp2bHhRY1lWZnRvNzJlYUNrSXh4MDA1UlN6QlN6UUI5S082VmFqRk5IVHpKZWduRV8wcWFhcGk3RUdMOA?oc=5) · Mathews Funeral Home
- 2024-12-24 [Suspect charged in assault on officer - Albany Herald](https://news.google.com/rss/articles/CBMif0FVX3lxTE5qV2Y1VUlUUDlwaW5sOFp6OXRMWW1KLVZMR1hrV2NLYW1PbHItSEVNa1pjdWFaVDZETGRVeGJqZjgtRUJUQjlsOWtxc0p4RzhnelJ0OXlNZERUYmpHd2dvemltLTN5N1YtOTNPQ0RuZDJUekRxSGFjajQ5amdiNzQ?oc=5) · Albany Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58074 (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/26.json (key "58074", 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