# DESOTO COUNTY BANK
HORN LAKE, MS · FDIC certificate 58154 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $81.1M | |
| Deposits | $70.9M | |
| Loans and leases | $63.8M | |
| Total equity | $9.8M | |
| Loans / deposits | 88.13% (p81 of band) | 70.43% |
| Liquid assets / assets | 15.64% (p11 of band) | |
| Uninsured deposits / deposits | 14.65% (p56 of band) | 13.33% |
| Brokered deposits | 13.81% | |
| Wholesale funding | 13.81% (p91 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.84% (p69 of band) | 10.49% |
| Unrealized securities loss / equity | -0.30% (p8 of band) | 1.32% |
| AOCI / equity | 0.20% (p36 of band) | |
| ROA (annualized) | 0.88% (p56 of band) | 0.80% |
| Net interest margin | 4.67% (p93 of band) | 3.57% |
| Efficiency ratio | 71.24% (p43 of band) | |
| Noncurrent loans | 1.83% (p75 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 108.39% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 183.33% (p99 of band) | |
| Auto loans | $406,000 (0.64% of loans; DQ 0.99%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2011-09 | 2 | losing money, charge-offs p90 | reserve under noncurrent, brokered >10%, wholesale funding >15% |
| 2011-12 | 0 |  | losing money, charge-offs p90 |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | deposits shrinking, assets shrinking |  |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2013-06 | 4 | reserve under noncurrent, construction >100% equity | wholesale funding >15% |
| 2013-09 | 5 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 |  | wholesale funding >15% |
| 2014-06 | 4 | wholesale funding >15% | capital falling |
| 2014-09 | 3 |  | wholesale funding >15% |
| 2014-12 | 3 | wholesale funding >15% | reserve under noncurrent |
| 2015-03 | 2 |  | wholesale funding >15% |

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

- 2016-05-09 [Anderson investing in community - DeSoto Times-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxQeWJEMjIxYlhuMXVhQUFJaUhRVnd3LTFwdmhMa2pMWTIwV2JPTkxiNVVQUW9sR0VNSVJwY0d0QVFhU0xtVWxkN0tMVi1hdTNzTzBZdzZfN3dLd1RJdlhEV1lENUxwa1ZFQ2ZEemNjMnA1UWhsYjJfU0pMVzMxMDM1Z1pHX2VBLVV0OW1OQzJBeHdCWVJLN1otcTQtYVhnVnU3QTlqUWhaMm01QjNTN2VNOXdUY0NXS25vX3c?oc=5) · DeSoto Times-Tribune
- 2015-04-04 [On the move: Mississippi Young Bankers - The Clarion-Ledger](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWElDaUt5dlVPQ3VkdTNyZXl2UVhBUWFGRlQzNTAtam0yVFBoVDczR0tPSlRjQUpndl9FYl9wNVBJaG9VU251S09GeXZqZUViemxKMFpoRW82SlpzdUxHcVdYbnRDU1lRNXc0TUpQS1JMZHR2OERvQ3NXWGxvcG1hSk9kMEp2YUJIelVzZjVhaENFeGxJZmhoWWY2SE94S2p5OG80Zw?oc=5) · The Clarion-Ledger
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2026-06-12 [Armed bank robber sentenced to 17 years in federal prison - DeSoto Times-Tribune](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNVGUwWUdCb0xoTVVsOWEzZ2VaWUV0bFVGd2wxQnFhV3l1c0VNM2Z6aDdDRWdnOWRpNDVoSXNzaGRMdjJHR0ZJVHpNbGp4b29BMVdPS0VCeVFfUW1hRk1scWNoRjNGMEJwcWhsbDBya1FBdzJGMUpHSndPU1BLM3c4Wk5fQjBCZzg1dXV6bVl1V0QtLU4tT3pJQUZWMXE1NXhFSUpwazRCSmVfd2dSTFRCdGRDVk9ZMGh2R2NXRU13c0VDalhRak9oUGUwbmpxYkNhU0VmWWRudw?oc=5) · DeSoto Times-Tribune
- 2006-07-04 [Edward Franklin Obituary (2006) - Southaven, MS - The Commercial Appeal - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxONWRDb2RvTnNPcXNfYkREVjJPc0p1NDZacjBQZGxab0d6M19FTEhzV1VfTXIxV01aUnkwUHpzRnNzYV9xNmV3MXFLM1lOZlBNck1Kai01SV94dkgyR1ppNVBuZVNzMmJVbTkzYXVlbXNWTXl2aVFiREVBcDFOZWprOUhybmhQNy1DMW53ZjMxNG9faF9HNEY5YnVrMA?oc=5) · legacy.com
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58154 (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/42.json (key "58154", 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