# KEYSTONE BANK
AUBURN, AL · FDIC certificate 58382 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $255.2M | |
| Deposits | $218.2M | |
| Loans and leases | $179.9M | |
| Total equity | $28.7M | |
| Loans / deposits | 81.30% (p64 of band) | 73.61% |
| Liquid assets / assets | 24.13% (p32 of band) | |
| Uninsured deposits / deposits | 22.58% (p81 of band) | 13.65% |
| Brokered deposits | 3.67% | |
| Wholesale funding | 6.22% (p70 of band) | |
| FHLB advances / assets | 2.55% | |
| Tier 1 leverage | 11.09% (p57 of band) | 10.70% |
| Unrealized securities loss / equity | 0.79% (p49 of band) | 0.86% |
| AOCI / equity | 0.34% (p65 of band) | |
| ROA (annualized) | 1.08% (p66 of band) | 0.84% |
| Net interest margin | 3.88% (p64 of band) | 3.64% |
| Efficiency ratio | 62.66% (p26 of band) | |
| Noncurrent loans | 0.78% (p53 of band) | 0.69% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 181.15% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 93.82% (p94 of band) | |
| Auto loans | $1.2M (0.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |

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

- 2026-07-30 [Keystone Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE9MOG5ja244Zm03RU1nRGNCckh1d2xvR3hTcDhzalJKX0hNT0lhSUJ2ZHdnOGs2ZmN0b2xCazRkeWFKcFJTZ0pQaFNJM05KZWtFRlhVcFJXQk5ZY3BaNXRkODhObDBDMlp5azJiaFJn?oc=5) · reveliolabs.com
- 2026-02-02 [Cadence Bank, Prosperity Bank, Third Coast Bank, Comerica acquisitions all close - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPaHc5N09kM0NqSEFXYW9xN2RndzNTYm01TXFGaHBxbVpkRDI1bXJLaUplcTlQc0ZHMVNRZ0M0UTV0N2NiaTNndXgydkctdFJCZjR2LXlrb2VIYkpvYUhlT2hhZXVxdVNyaVZtbzB0NnFFeVQzS3RGX0QwelRaa2VWbGNuMU9aTGZLcWV0RHJaSFJaNFN1ZGZCVnpyTWM1WEJNMkMw?oc=5) · The Business Journals
- 2025-10-23 [Austin-based Keystone Bank to be bought in $123M deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZm0zakpTalRoV1dhc28tN2RKNEFCTHNiWWVWeGRLbS1DSWVnaVlveEFXbkc3czhzOUhHUUN1SzhzdTc2LWRxVVVTYmZmcmtmZjliV3d1blkzNjRFdVdyTV91VjQwLW5VSU9CbUFJUGJDa1ZlNTNyRXQ2X3ltTjhaUTZfa1EwWURxV2tpdVhKSEFodngzR09QN1ZSaE5mT3podFRzZWZRaw?oc=5) · The Business Journals
- 2026-08-22 [Keystone Bank Inducts Young Professionals after Four-Month Training - msmeafricaonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNaWl4c3dXZ2kzdVdSSEcxQW1tZVZDRjlGQjh4N1NKWVkyOUVEbkhUbmtaTE5VUjQwR21FLTFJcTdwTG1IWTlpTTlCeS1GWFZCUDZuaHhUZjRqMkZwamNPeGN6TEdtYTEwSHNFLU5fZVpUX2JVdlpLTkQ3c2dvU1JRUUVwd3JJNXk4S3VNb2dva2Y2RUFpYVczTVBSQThjUQ?oc=5) · msmeafricaonline.com
- 2018-06-18 [Interview with Mr. Obeahon Ohiwerei, CEO of Keystone Bank Limited - International Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxQN2J1ZmVsY3g1TVVYd213UjZNYk5STm5NVGZSNnpmUUhlTVJBN3pjMDRSajlpRklKazIxSnVXNTRlR0Q1NUg1VlYzaDJ4NmtPSmNBYzZkZ1F6SEZRbTd2bHNuYUdHdnhuY0NDdzVhYXZwRWxVU2NMUHk4YUJ0WXNwcnppT2JWcG9QcTdGWWxZTlJVYXR5MFZpR2U4NVdZMko4MG80d1dwbw?oc=5) · International Banker
- 2015-05-13 [River Bank & Trust announces merger - Montgomery Advertiser](https://news.google.com/rss/articles/CBMipAFBVV95cUxOdnVoVndiUEtKYWl3VEhLdWxsaGxQQkZPS1k5THRuS01EQmRCcUdHZXFoRlhRZ3g3U0JuQV85N3ZvNFpKYy1yd3I2ZzhwSEtTeEJkNlV4RkRvYWJlWlY2d2xNa0NvSWU3ZVl3VGx1ckJTdlc2VUYtMGVQZENKWmYwY1I3SVBXWnY5MDlFNHVpaG43WXpPVjV0VWY5Rm5vQjAtOWxKZg?oc=5) · Montgomery Advertiser
- 2025-10-28 [Third Coast Bank bolsters Texas presence through strategic Austin-based acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQS3B0elVYaTlDUXJrNXNyNVVQUHctYmthU3h3Q3RGUzdBN2tiVkJqWmJWUTJkd3lvRDRwYVFqTkNtVmxLZElaN2pVV2s3N1o5UXR2U01OZVZFR2JtbjJPZnZMZV9ScnZqNDdNenRtWUREaHNvNndyLU1YOE5iN1Q1RlBuejZZMWpoVnlJUUs1WDY0ckJvNEgzc1JfY29qamxpV3dsbjZUZU1fdw?oc=5) · The Business Journals
- 2026-07-01 [Keystone Bank, KACCIMA empower leather industry operators in Kano - Blueprint Newspapers](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ09OWXNXLXJGZy00eWk3WXJ4SzVqTTg2R093cll0Q3YzaG5YTzRUQ05LNkRGMlFFSnY3VXlPX3pIV1NSa24yaU1UOUFkYkFNanZkYkd5RnoyMURBWElnTGQ0R0ZNUFBJaWhhNU1POWxGMV90Q2ViRlVCaVpHX2tDY3NjVkpZWUs3X01NN2JFOA?oc=5) · Blueprint Newspapers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58382 (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/14.json (key "58382", 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