# GREYSTONE BANK
RALEIGH, NC · FDIC certificate 58094 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $89.9M | |
| Deposits | $79.5M | |
| Loans and leases | $44.1M | |
| Total equity | $8.9M | |
| Loans / deposits | 54.39% (p21 of band) | 71.39% |
| Liquid assets / assets | 43.15% (p70 of band) | |
| Uninsured deposits / deposits | 0.27% (p3 of band) | 8.02% |
| Brokered deposits | 75.19% | |
| Wholesale funding | 75.19% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.29% (p18 of band) | 9.99% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.72% |
| AOCI / equity | -3.39% (p0 of band) | |
| ROA (annualized) | -22.82% (p0 of band) | 0.72% |
| Net interest margin | 0.74% (p1 of band) | 3.86% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 11.03% (p97 of band) | 1.48% |
| Net charge-offs (annualized) | 0.68% (p84 of band) | |
| Reserve coverage of noncurrent | 17.88% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 19 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, losing money, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  | charge-offs p90 |
| 2011-09 | 6 |  |  |

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

- 2018-12-20 [Movement Bank names David Rupp as next Chief Executive Officer - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbENmalB0OVp6SV8xQU9ia0hhM0VFV1Y0MjZNeEc5d3YwbU8yXzhZd1hFaFhLY1pjaVdZV3ZEclB4dGhudi1BRkxDMk1KOHo2ZHZZbG1YZjFzNGlXcDZmSmVDTVpvS2hHR2JLUm9ncUQ2Q0VGaTZZQ25OUjZVMWdDLVZQZlp0WmZvOFAyekJkbHFBeEl0aENBRkZmZVhxbmhsYnU5T1IxY082ckh5aF9qS1p0OVR4STZ6WWc?oc=5) · PR Newswire
- 2014-09-25 [Four Oaks Bank exec retires, but stays on the payroll - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWFJCeXBiV1htRHgtN3E2MnY0NnYxdnpOaDY2QWVJNjFuZkZqMzRPMDh0OG9JdXZPNkJrU0I3dWpxV3J3RkNCdlVJM05sN0w4NnJhNmc5V1B4amI0WVJPSEJ3aVJIYjJpNjFIR1dPb1FMeGg3eDc0aHBkOThyQTJRckNkSWtfNEFqR2s0TGt4RWtuUFRicnpWOGpIZFZjMjJFb29tRzRoMkR2azVX?oc=5) · The Business Journals
- 2012-01-31 [Raleigh's Tipton files for $66M bankruptcy - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNa19mYTlqODJoa3NFaWwtNFlpaDBEWGtoa0NiWjI4Z2pQMWVWLVU4Umt3c0pyLUxyNW1QSkZOR09Cek9peXdKOEIzRmljcjgwbkhtUUlseFN1ME9ZOWpmSXpGckNRRVlvZEF5enZhR24yZmVsYi0wMGZsRFBBdV9UWUZQaW1lTnRKRUo4MG43VUhsSnM?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58094 (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/46.json (key "58094", 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