# EASTSIDE COMMERCIAL BANK
CONYERS, GA · FDIC certificate 58125 · asset band <$300M · latest filing 2014-06 · FAILED

**Verdict on the desk:** this could be *run candidate*. Composite score 12 (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 | $173.9M | |
| Deposits | $166.9M | |
| Loans and leases | $107.8M | |
| Total equity | $1.6M | |
| Loans / deposits | 63.22% (p38 of band) | 70.22% |
| Liquid assets / assets | 31.38% (p43 of band) | |
| Uninsured deposits / deposits | 4.22% (p10 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.89% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.39% (p0 of band) | 10.41% |
| Unrealized securities loss / equity | -47.80% (p0 of band) | 0.24% |
| AOCI / equity | 40.40% (p100 of band) | |
| ROA (annualized) | -1.66% (p2 of band) | 0.79% |
| Net interest margin | 2.53% (p8 of band) | 3.62% |
| Efficiency ratio | 132.02% (p98 of band) | |
| Noncurrent loans | 10.61% (p99 of band) | 0.88% |
| Net charge-offs (annualized) | 2.12% (p99 of band) | |
| Reserve coverage of noncurrent | 20.11% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 766.01% (p100 of band) | |
| Auto loans | $223,000 (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | noncurrent p90 | NIM <2.5% |
| 2011-09 | 9 | leverage <5%, capital falling |  |
| 2011-12 | 10 | charge-offs p90 |  |
| 2012-03 | 9 | assets shrinking | expense ratio p90, charge-offs p90 |
| 2012-06 | 13 | expense ratio p90, NIM <2.5%, charge-offs p90, deposits shrinking |  |
| 2012-09 | 11 |  | assets shrinking, deposits shrinking |
| 2012-12 | 13 | deposits shrinking, assets shrinking |  |
| 2013-03 | 11 |  | NIM <2.5%, charge-offs p90 |
| 2013-06 | 10 | AOCI drag >20% of equity | losing money, capital falling |
| 2013-09 | 10 | securities losses >30% of equity | expense ratio p90 |
| 2013-12 | 12 | losing money, expense ratio p90 |  |
| 2014-03 | 13 | capital falling, charge-offs p90, uninsured deposits leaving | deposits shrinking, AOCI drag >20% of equity |
| 2014-06 | 12 |  | assets shrinking |

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

- 2014-07-18 [Georgia suffers first bank failure in more than a year - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNaEdWQTVZOGs2RmdTNFVGeXVqMUpSY3BNQmUxWktZV2NqY0JTcGtmYk91VnFJcW0tTXNVNnRwMTZzcHdYbnhEUmFzOGtoeXVjdE5OcUR6aXdDRVJCbHV5SC1zNUJFZFBTYVV2ZUxNSl9QYTZaRXpLdGEwU0NUQmVJTUhjTzk3WWdUWC1MT1BWc3FNdE5DekNld1k5dDYxc2xJRWxZT2hoMllTZw?oc=5) · The Business Journals
- 2014-07-20 [Conyers-based Eastside Commercial Bank closes - Rockdale Citizen](https://news.google.com/rss/articles/CBMizAFBVV95cUxObHI5TjNGRHZuTzZSRHdfWXNPcjJ4VGlGNGVMalJCN0FKVGMwZmI4OHB6VUFuamhkWHBFTU9xS3ZMR05xeGN4blhKVERCclYwdzhUaGFxdHBzekVqU3VhaFB6eTFfT3paVWtMWkNiM1BhT2RRTnR1ZzZVSEk4elp6dmpvVTFKOUlRVHlRQ3JhaGpGcjZpVVhPNXZVZVhEbndXTy0wbl9WaDZwaFdSNXBzakZneDJDcXdpVW9hQUJoZmstemNUSDBISjdRSFg?oc=5) · Rockdale Citizen
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2008-02-10 [Adam Scarborough Obituary (2008) - Covington, GA - Rockdale Citizen - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNaC1DbG1GbHVOZU11OUhRZTAxR0I2MFZmT19WVUZNdHE2anhJVGh0RFdnWUFpQ2VoUDByQmZJcUc1dHVOUnBNdTVya2gwX3ltR3Rrajl0QXZpMmVBejRPS201enhabjhzaHRzckRWMk1QLVpxYTZqZVZYSk9SYlVIazJjTnNuS0lGMjBVWFlSYjQtUktBN2pHeG81Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58125 (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/13.json (key "58125", 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