# PRIVATE BANK OF BUCKHEAD
ATLANTA, GA · FDIC certificate 58380 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $322.5M | |
| Deposits | $291.5M | |
| Loans and leases | $291.5M | |
| Total equity | $27.3M | |
| Loans / deposits | 98.86% (p85 of band) | 83.90% |
| Liquid assets / assets | 8.54% (p4 of band) | |
| Uninsured deposits / deposits | 38.58% (p89 of band) | 21.07% |
| Brokered deposits | 2.59% | |
| Wholesale funding | 3.27% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.15% (p5 of band) | 10.15% |
| Unrealized securities loss / equity | -1.04% (p49 of band) | -0.98% |
| AOCI / equity | -0.14% (p79 of band) | |
| ROA (annualized) | 1.47% (p82 of band) | 0.94% |
| Net interest margin | 4.87% (p96 of band) | 3.62% |
| Efficiency ratio | 78.46% (p80 of band) | |
| Noncurrent loans | 0.12% (p14 of band) | 0.61% |
| Net charge-offs (annualized) | 0.04% (p52 of band) | |
| Reserve coverage of noncurrent | 933.90% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 248.70% (p100 of band) | |
| Auto loans | $60,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 35.4% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | loans exceed deposits, capital falling | brokered >10% |
| 2011-12 | 4 | reserve under noncurrent | wholesale funding >15% |
| 2012-03 | 2 |  | loans exceed deposits, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | loans exceed deposits |  |
| 2012-12 | 3 | charge-offs p90 | loans exceed deposits |
| 2013-03 | 3 | capital falling | charge-offs p90 |
| 2013-06 | 3 | loans exceed deposits | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | reserve under noncurrent, loans exceed deposits, deposits shrinking, assets shrinking |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 2 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | capital falling |
| 2016-03 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2016-06 | 3 | liquid assets <10% |  |
| 2016-09 | 2 |  | liquid assets <10% |
| 2016-12 | 3 | liquid assets <10%, capital falling | loans exceed deposits |

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

- 2016-09-30 [Charlie Crawford: Buckhead’s Banker - buckhead.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5SU0VERTVYNzhyOUh6bWU1WU5ZRVlRWG85TjlBZ0N3Z3A2blltaVpENGxqNjd6b1VuekpNN203RkVFUTg1ZkRSdjBXc2M4S1ZIejNDQjNOd1lDREdoSG0wQ1pneU1rMTl6Wjlr?oc=5) · buckhead.com
- 2016-06-08 [Maura A. Mckenna Joins Private Bank of Buckhead Team - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9LZ3FqVTllTkc2WXo2RlpmcS13dHpTLThpOVZBWWNQeHQ4dDFEWlpFWE9PcjlJdVFmb0luYWZmR0RUT19TWlltaE5yUVlmQ0Yx?oc=5) · PR.com
- 2022-06-15 [Pinnacle Adds Commercial Real Estate Team of Sheila Stolorena Tom Butsch Jim Miller and Rob Male in Atlanta - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPLThlbDhjMlB4MmpGTm1rdHEwRnl2RzJYTjRBaC1OUmxOVU4wZ0xVMHlhTkRZbkx4SHZLMXQ4TGpBX19kNlVnRVY0a1FKY1kyQzhXMmlyQy1JNXhOaGRDQVFTNWNpTmVIMmRfcndZUkNEaHdZSGIwMHBIa09ieHZFa1B6aFc2dkktT3czTFQ2MHBjZFB5Zm00djdGNFFoZUl0WE5NRk5Vem1ZbjE0c2xySEdvc0hhQ2tVODhFZXNTSmI0TXF0aFlwR2FQRkE4bXowSVM3MUdpRU5xWGho?oc=5) · Pinnacle Financial Partners
- 2026-09-04 [Georgia investors evolve their plan for starting a new bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNLTVjLVh6d1lndlJVcVYxTnM4d0VFSllnLUdneDZrdTZGZnNLTzNhdHJnaXZzXzdsRUpNaFVhYTdRZkozdktnME5aRmVBOHU3NXF1THlKVG1WSC04MFBFN2FYQTAwRE00Rm1HdGJ2ck5OeVRaM2Q2dWpJem5WNFQxZ3R0SmluVFcxMDV3aFJheWdnbWlsYVJXeDRUbw?oc=5) · American Banker
- 2015-11-04 [Inger Harris Brings Breadth of Industry Experience to Private Bank of Buckhead - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBRcjFMSU9rTTRRUnhwZl9rTmJodmc5WS05LUN6Sy02QXh0ZmdPWGxDX3R0MFgzaWpqV1JOc2d6X1pnQVg5bm1xSzhTaU82Vkc1?oc=5) · PR.com
- 2016-12-21 [Milton Holiday Tour of Homes Raises $20,000 - Patch](https://news.google.com/rss/articles/CBMiggFBVV95cUxOS2EwbmhhSkVCMGFnT1pmRXhGVlRiSGxCVHVEU09GOFFvYUY2M081Y21CLVRtUmJkaTZ1R1habEhzb2JpUnRPMTRjbVZkb2ZJWmFvVTR4MF9Sc0JmejNpSGVhMGh0WFdYODhJYURaTTBBYmw2WjNUT3B5SDNqZ1JFY1l3?oc=5) · Patch
- 2017-11-06 [Mark Weber Joins Private Bank of Buckhead & Decatur - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBTdkgwVUhqT3h0bUxIV2dDMUo2U2xJUlRSNV9CNUFSQTVTdGRQT1RfeXFLeV9uV2gxNURBdXYtaDc5Y1RUajhiYUZaWHNLYWU2?oc=5) · PR.com
- 2017-11-04 [Private Bank of Buckhead Adds Portfolio Manager Gregory Shakes - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1WcnlzeXhqZHB6dTM2V01QaWZFdUJwazVST1VOZWM4dE9IQkxWVWV6dFIzMkthMG5xdGV6YkMwWi15SFRPbmNINDh0SWFBbFhL?oc=5) · PR.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58380 (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/12.json (key "58380", 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