# LIBERTY FIRST BANK
MONROE, GA · FDIC certificate 58274 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $192.9M | |
| Deposits | $179.1M | |
| Loans and leases | $72.5M | |
| Total equity | $13.4M | |
| Loans / deposits | 39.90% (p16 of band) | 63.26% |
| Liquid assets / assets | 58.30% (p80 of band) | |
| Uninsured deposits / deposits | 30.00% (p83 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.81% (p6 of band) | 10.61% |
| Unrealized securities loss / equity | -12.93% (p2 of band) | 0.71% |
| AOCI / equity | -17.00% (p0 of band) | |
| ROA (annualized) | -0.35% (p3 of band) | 1.03% |
| Net interest margin | 2.72% (p23 of band) | 3.29% |
| Efficiency ratio | 120.56% (p97 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 94.48% (p95 of band) | |
| Auto loans | $359,000 (0.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 20.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | charge-offs p90 |  |
| 2014-06 | 4 | uninsured deposits leaving | capital falling |
| 2014-09 | 3 |  | uninsured deposits leaving |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | construction >100% equity | reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | uninsured deposits leaving | construction >100% equity |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 3 | losing money, expense ratio p90 |  |

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

- 2021-07-13 [Pinnacle Bank to acquire Liberty First - WaltonTribune.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOdVMybEhNd1VhQTlBMnAtbnBNdW9kVkk2NlFDSFJIcHVhdU00ZlBhWjZMNy16MUpfNWVzNmF4MFdnT1ZYZHV3ajVObkh1dGJHWGFfUDNVVjZGT2JoVVlUYVVtek9vUFBGQ2J2RGtwNl94eDhiekN1X09ZUHdacUhnTzEzQjJrOFhFMHdUSW9aQjlDb2NOcGVtREtDY1hnQ3pSZFFmSmpsYkRDQjBnYWpnTDZ3Mjh5R3JDU0VTM2pWZWR3UlNUb0E?oc=5) · WaltonTribune.com
- 2023-08-24 [Obituary and funeral service: William Lee Smith, 68, of Monroe - Monroe Local News](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQ1lTVGhCUHJfbHh4ZVNGcXQ2RlVkS0FCblI1STNpR0tKMkhRNmRqdnl6aDlYenptVG1ITUlIa2xYUVdNemEtR2oyRDJ0YVlHX25qanBiaTlMSzBFNVlEX3JGTnJsbFlDb0Fzc1JUczRzTEZMRGhoTVhfeG1DSFB6dTJHdGtzamw4WExaZExnOVdEVTQ?oc=5) · Monroe Local News
- 2015-02-05 [Charles Henry Logan Obituary Feb 5, 2015 - Lord & Stephens Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9fVjFRWjgtYUtlSFpjQl9INkdGNFRKajFURWhRd2lyeTFMbWN1bVIzRTFJOV9KX1NWUkR2SjdudEhFWWwxOHkxLVZxZm9CVGJjRG1RN2RqRmpWWWFOd3I4VDVCVDNqdGc?oc=5) · Lord &amp; Stephens Funeral Homes
- 2013-04-09 [Williamson Considering a Run for Broun's Seat in the U.S. House of Representatives - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQQU16VkZjYnlPWFFhNWhCLU1PanBtMm4xamlkdW96a3NvdUYtY2FLRElwT0VYeDA3aEcwYUIzeFlmNUFNbWJvT094ZGlCd2xUQmtuaFJiM0t1eXctOGxQR2tPY3B2aGsydjlQRU9hOXdGVWxiazEyWFFVZmVtUEdZcko3V0xOXzk4d3ZVcy1oZW9fSW44YnVlR1V1TEdnUGRm?oc=5) · Patch
- 2020-03-02 [Update: Bruce’s Sweet Sensations opens with limited hours in wake of of Char Smith death - Monroe Local News](https://news.google.com/rss/articles/CBMitwFBVV95cUxOb1FkSDRsUkk3RThzZk1xYmNiT2hXNUxRMW5ncHYxa0hWdHRjTFNGNmU1Rkd6RUZXdk5fdHEwalZBandDSFlPMGhMeFNJVXRGblEzN0h6T09fOVhXdVMzbXBmOEk4aV9WMlp3Vk9DVkFHenlkOVFka3V0Q1gzWmhIOFVBYjZZLUFFdTRDcFg3NU9MX1BYdFNIMXUtbEhYRWd5M0lJTkViN09OUWQ4NHlQd1Y4ZzJZZUU?oc=5) · Monroe Local News
- 2013-04-10 [Cowsert Won't Run for Broun's Seat in the U.S. House but Williamson Might - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWXMxOE90MGlBYlFESWxJbThlMDYzcDZmSEJuWlNzdzcwTzh0QzVQUm1wQlJMVk5WajlyNWZGUjFnbnh0ZFVCT3p5ekZKN2p3T205U3hGZlhDTzJOZ2hGSllzWkdhZHNpalNxMmdKaTZiczl3TmhxbHhPQm92WFdJVjNzZlBkdkppZFA4ZkpzVUp2Q2FzejdTdks1c3A?oc=5) · Patch
- 2017-07-29 [History met progress Thursday for the dedication of the new Loganville City Hall - Monroe Local News](https://news.google.com/rss/articles/CBMirwFBVV95cUxNRC1YVm5zREJlZHVpb3RCM0pJeTEwbC1BbWpPNGRXaVdUcUt1RktvYzFuVlNkelJGVEVFZEU1MzlqWk9YMHlXTEV1LWk4YlRXcUQzZ3JHaXpwdmlIWFFsU1ctRzF2S3RGYXRxWkRfNEh6MDNnM25RVVJfOVRScXhxajRjYzFYQUlNa1ZBTEZRWldYYmJGNW1QQWJUYkI2NDhNRUZYaEFPOWJTVDBMTXdV?oc=5) · Monroe Local News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58274 (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/34.json (key "58274", 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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