# WESTSIDE BANK
HIRAM, GA · FDIC certificate 58347 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $191.0M | |
| Deposits | $165.6M | |
| Loans and leases | $106.7M | |
| Total equity | $18.4M | |
| Loans / deposits | 63.47% (p41 of band) | 68.14% |
| Liquid assets / assets | 40.52% (p57 of band) | |
| Uninsured deposits / deposits | 23.09% (p69 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.43% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p17 of band) | 10.68% |
| Unrealized securities loss / equity | 2.58% (p52 of band) | 2.41% |
| AOCI / equity | 0.95% (p45 of band) | |
| ROA (annualized) | 0.79% (p41 of band) | 0.92% |
| Net interest margin | 4.39% (p90 of band) | 3.52% |
| Efficiency ratio | 70.57% (p50 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | -0.07% (p3 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 119.44% (p98 of band) | |
| Auto loans | $283,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 41.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 10 | leverage <5% |  |
| 2012-03 | 4 |  | brokered >10%, losing money, expense ratio p90, capital falling, leverage <5% |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 10 | leverage <5%, losing money, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 8 |  | leverage <5% |
| 2013-09 | 10 | leverage <5% |  |
| 2013-12 | 11 | capital falling |  |
| 2014-03 | 8 |  | deposits shrinking, assets shrinking, capital falling |
| 2014-06 | 7 |  | losing money |
| 2014-09 | 6 |  | charge-offs p90 |
| 2014-12 | 9 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2015-03 | 9 | capital falling, losing money | deposits shrinking, assets shrinking |
| 2015-06 | 9 |  |  |
| 2015-09 | 9 |  |  |
| 2015-12 | 8 |  | capital falling |
| 2016-03 | 2 |  | leverage <7%, construction >100% equity, leverage <5%, expense ratio p90, losing money |
| 2016-06 | 6 | losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 4 |  | losing money, charge-offs p90 |
| 2017-03 | 2 |  | expense ratio p90, construction >100% equity |
| 2017-06 | 3 | capital falling, expense ratio p90 | noncurrent p90 |
| 2017-09 | 5 | noncurrent p90, construction >100% equity |  |
| 2017-12 | 4 |  | capital falling |
| 2018-03 | 3 |  | expense ratio p90 |
| 2018-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | construction >100% equity, charge-offs p90 |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 | construction >100% equity | uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |

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

- 2020-10-05 [Piedmont Bancorp, Inc. Acquiring WestSide Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNRll4QUdNVWlKZGozNXVSRDRoQWZyMjZjdnBObExqNmhSNXg5MlV0ajlMS2Qxd3BHRUFxZ0lyWXNUNndvR3BScFZsMTRWaEFVQzlVcGpTcmFFajM0Sk5zOGhYSTFyNnRmVWdWMFBUNmY2T3hGZXVXODk0RVVzeFFzNFp2d3FkazdFbW5QWnRoS1NodExxV1BFdVpPczBVSTVGeWRXMFJlOFNYVkVVaGxoTHNfVDRkczA?oc=5) · GlobeNewswire
- 2021-08-25 [Ga Bankers Association honors Mr. Ken Thigpen for 50+years in banking - The Dallas New Era](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWWtrT3hYNHJIdTJ2WnhPdEg2eWZ3SW9aOW1rM2RnN0hIbXpNVFB4Slo3YzEzM29jaGVSU05SNUU3S2hBUVhHaUZabjZfakZhVElLbU55YkY3ZnlCMjg0WVA0M0RlUU5QaU91bU51dUNSUG9pUnk1cjhPM29ZZjIzR3dKS0ZqcEQzRXNzSjNyZlkyc1AySmItelBDNUFZN2dFUkhuM3RBdmt6V0xib1FaUHMyU1pVZ1E?oc=5) · The Dallas New Era
- 2024-05-18 [Rhonda Kay Reece's Obituary, Visitation & Funeral Information - Davis-Struempf Funeral Home & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTE1ENm9ILWIyZmhFUGt1aHNWMV9OQjlfZzVGSTRlUGNaVXAtTUI2bXAtVkNLSEw3cWxPb25oeFBzaEF0RXIzUTI1UFR1SC1qV1cwR21SSEwwYm9KSm05QUlHeUJ6cEx2RUp1LWdhRlJEOA?oc=5) · Davis-Struempf Funeral Home &amp; Crematory
- 2014-10-17 [JSO captures bank robbery suspect - firstcoastnews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQa2p1RGlRY2ZSOFlScjNWMjQ0SG51Y09vdkEtS2c2dE1wMzluUGpiOVF1OU84X2tmZF9peXIzSlpJaVFHX2h1cEJ5enRvTHZSbHBRbEdCdW91N2NMWkdtdjRwaXEycHg5a1UwTnJ1UDFYYUpEVmpMM0JWVWo5X1VJT09JUU4ycFJaZ2lWR0dLZXBMVEc1bWVtTkhfeHc?oc=5) · firstcoastnews.com
- 2015-01-26 [Joanna "Jodie" Collier Obituary January 26, 2015 - samclarkfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBHUjBLRnBYVE1idU1INlJBTk5uMVVLUmRLc1kyd3FQNkdNVGFjRGxZNFBLMktGVEZGbEE5S1JlWWIyNXRONGpDeGtfRnBQelIydFB0R1NVVWlhWTRWc05BRjVUSUtHVTJ1TG9BRFNn?oc=5) · samclarkfuneralhome.com
- 2021-12-11 [Jacksonville police arrest Wells Fargo bank robbery suspect - The Florida Times-Union](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNS24wb1FUVGNkT0Q4dmNwOS1kU1psYkxYblVlYzUwOHlTeHZLTXhpVHNTLUlqYktMWU1IN0cydmwzYTJqR3ptSl9QdjRkbS11enozV0ZmMFRBWVlMSVVCenZTS0VkVGxldk5YdG50eVQ0R2xzZnBJZ1Uzb1IwQTRHWVYzLWNZMU1pbVl3UmZkWDR2VVl3TlMtcHFELTNja0RuVmxIdzlpVXcwZm02VHZxZXBWMUdXUzlFYktPTFlwTTJsVlBtRndUbA?oc=5) · The Florida Times-Union
- 2024-03-19 [M. Frances George Obituary Mar 19, 2024 - Jones-Wynn Funeral Home](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9zQjhaaTlEb2Y2SzduenJXQ0M4RzhWX3F5R0pFVzdGaXNvdTFWMjdzTV9rem9jOE1MSEhGSlpwdWlGd2YxQzNzMlJicmVYdUJK?oc=5) · Jones-Wynn Funeral Home
- 2026-05-06 [Brenda (Frum) Malee Phillips Obituary (2026) - Cartersville, GA - Georgia Funeral Care - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPOWZYalg0M0d5UEpZb0Z1VUUwemtvRk9wSWhSVG9RRFlxcGxjTXdJOWVmdWt4UjhWR0NsMjBDNkRiUmVpT1BSZlF1X1h4aWJFN29hSXpvOWxPMGVUenp2ZkN4QnJFOEVISWJIWXNsMkU3LWVod1E5SU1LeEN5M0pqcVZ3ckpYMTBBZTlV?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58347 (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/43.json (key "58347", 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