# CREEKSIDE BANK
WOODSTOCK, GA · FDIC certificate 58226 · asset band <$300M · latest filing 2011-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $102.3M | |
| Deposits | $96.6M | |
| Loans and leases | $61.7M | |
| Total equity | $651,000 | |
| Loans / deposits | 61.08% (p30 of band) | 71.80% |
| Liquid assets / assets | 25.02% (p31 of band) | |
| Uninsured deposits / deposits | 2.42% (p14 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.89% (p62 of band) | |
| FHLB advances / assets | 4.89% | |
| Tier 1 leverage | 0.57% (p0 of band) | 9.80% |
| Unrealized securities loss / equity | 12.29% (p92 of band) | 2.62% |
| AOCI / equity | 6.14% (p92 of band) | |
| ROA (annualized) | -4.45% (p1 of band) | 0.68% |
| Net interest margin | 1.96% (p2 of band) | 3.84% |
| Efficiency ratio | 180.18% (p99 of band) | |
| Noncurrent loans | 27.23% (p100 of band) | 1.53% |
| Net charge-offs (annualized) | 1.07% (p90 of band) | |
| Reserve coverage of noncurrent | 16.27% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 2991.55% (p100 of band) | |
| Auto loans | $42,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 13 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | charge-offs p90 |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2011-09-05 [Patriot Bank Reopens As Georgia Commerce Bank - Patch](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZ2k3MDZqWWVHNlhmeHY0VjhTUHpXMi1wYmxJcEwwbHpxeVNuTlVrSVl6a2dpMEZyNjgzam83M3lSQTdYRnFCTmN6QWxzRWdVem1WdFI1OExkQVh1TWtkTkxreHpqYk1KTmVRczhiTkRrM3dOTXpzZlFRY1dza2dWNHN5b2h5aTBtamc?oc=5) · Patch
- 2012-06-08 [How one Atlanta bank avoided banking crisis - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYkVEVFNaS2NLUU1QSnZrbFoxSjBpSmdaaHRSOFo2RDdNeWZFRTNTYzlnS3pDVXprRm5IYng2STNNeVBhTHY0X1NGSlk5eWhqOGZRU2hSQkdHVDF4bEtiRWRkQS0tZGtkdnhvUVVqREQ4cGlQZE8zY2NTbXlid0liRzlod3NuQV8xd0hKMkdtbnEtOTExdG1iMVdNbHZDNUVrTlFGMQ?oc=5) · The Business Journals
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58226 (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/50.json (key "58226", 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