# FOOTHILLS COMMUNITY BANK
DAWSONVILLE, GA · FDIC certificate 58421 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $100.9M | |
| Deposits | $93.2M | |
| Loans and leases | $71.1M | |
| Total equity | $7.6M | |
| Loans / deposits | 75.45% (p48 of band) | 76.78% |
| Liquid assets / assets | 20.72% (p28 of band) | |
| Uninsured deposits / deposits | 13.13% (p41 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.92% (p3 of band) | 11.19% |
| Unrealized securities loss / equity | 0.00% (p90 of band) | -2.38% |
| AOCI / equity | 3.17% (p100 of band) | |
| ROA (annualized) | -0.74% (p3 of band) | 1.00% |
| Net interest margin | 4.03% (p66 of band) | 3.78% |
| Efficiency ratio | 89.75% (p90 of band) | |
| Noncurrent loans | 0.08% (p24 of band) | 0.57% |
| Net charge-offs (annualized) | -0.11% (p4 of band) | |
| Reserve coverage of noncurrent | 1281.03% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 92.66% (p93 of band) | |
| Auto loans | $249,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.6% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 7 |  | losing money, charge-offs p90 |
| 2011-12 | 9 | losing money, charge-offs p90 |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 8 |  | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 9 | charge-offs p90 |  |
| 2012-12 | 9 |  |  |
| 2013-03 | 8 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-06 | 11 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, assets shrinking | noncurrent p90 |
| 2013-09 | 10 |  | assets shrinking |
| 2013-12 | 11 | noncurrent p90 |  |
| 2014-03 | 9 | assets shrinking | expense ratio p90, AOCI drag >20% of equity, losing money |
| 2014-06 | 11 | deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 10 |  | noncurrent p90 |
| 2014-12 | 10 | losing money, expense ratio p90 | securities losses >30% of equity, uninsured deposits leaving |
| 2015-03 | 8 |  | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 9 | securities losses >30% of equity |  |
| 2015-09 | 8 |  | securities losses >30% of equity |
| 2015-12 | 8 |  |  |
| 2016-03 | 9 | charge-offs p90 |  |
| 2016-06 | 3 |  | leverage <7%, leverage <5%, construction >100% equity, assets shrinking, deposits shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 1 |  | losing money, capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | capital falling, construction >100% equity |  |
| 2018-03 | 2 |  | construction >100% equity |
| 2018-06 | 2 | losing money | expense ratio p90 |

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

- 2018-05-08 [Foothills Community Bank announces merger with CoastalSouth Bank - Dawson County News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPS0w3OGFCRDRJQ0daOE5iR1c1aldZcG9WUnJ2ZXVNTlh0ZWtXOGJXZi1Zc2h3S3FkNFNlaVVqbVVLSkFzNnF0cDFjUWMwazhWQ05qYUExMklScm53a2k2RlNMUkplYV9aUms4S1RsbHlPMGx2Z2FzVlh4RlFZU2JmRHcyZkg4XzdGLWRjZmdPaVBRWUdDUWxCUw?oc=5) · Dawson County News
- 2018-05-01 [CoastalSouth Bancshares, Inc. and First Citizens Financial Corporation Announce Definitive Merger Agreement - PR Newswire](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOeWFKSUpXSFhfNE9zMXBMUXd5UWtQVlZHLWlJYjJCMWc3YUpWOWZwWGpyWXpVUFJQQ1d1RjZZZW5STUpNVloxQmhkTElFRENYLVh6M0kzOWpsUTdYcnA5bHV4NkdTRFFBTFA1WmtIdXl6SjNKcFpNbjVkLUpjd2xEeXZyUXBrRFRsbHVJYzltV090U3Nab2ZGRG5sa0FHWGl4SGxiTTVkVEY5WHhQR1c1Ui0tNk9rNi0wYWVPNWZpNXdWN0g0X0liNEcyWGZSOG1vdlRBRVdONVlvUTJCM0ZtZGY4N2FHd2pleFh1dXZQSlJqaVk?oc=5) · PR Newswire
- 2017-07-16 [Surveillance footage shows armed south Forsyth bank robbery suspect - Forsyth County News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOclZrcmNOSXFpSmJVUTlOSDNaTGo2S0d2THNVdTlaMEJQZGlFTXlhcHkydnlkeThkN3BUTUxkclc0bGVKN2s1Umpya3pSY1BtbElXdVAwemEtMFU2V21OZUxSdS0xdF9hUkN5d1ctU3Zaay1VdUs5REZPdmREanZzWW94ZThhWGJaV19rY3VWbExKVlg0SmtWMkZJOHlWVjJ0OFJJMTJkNWlvdUxyZWRHSjhzUUlsQQ?oc=5) · Forsyth County News
- 2019-04-02 [Foothills Community Bank Makes Major Donation to the Good Shepherd Clinic - Dawson County News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVTU2MUpLY3hzOUdXcjdrRDVnckNUdVJsVnFjd2FKMVh5azc3Rm5pelNud0hSWlRUNV83U0tqSHlCS3YxSXFiZjN3cmpiTC0xM3pheWlaS3dOWW5HVGh0eEVwQXVPZkMxbU9MNGcyUEM2dzBaV3FWd3l6bW1aTWNyTVNFaHJZMDA0OTdMSHBZeDA1OUhNQU40dmJ6RHRzcnhtMXc?oc=5) · Dawson County News
- 2017-08-27 [Newsmakers in business: Underwood joins Peach State Bank as new senior VP - Gainesville Times](https://news.google.com/rss/articles/CBMivgFBVV95cUxOdGVpQWo1U3ZtU0tOMHZ1RUdpRm05Qm5vd2o1LUFYTlNoR0l0dDM4OWREWWNmOTlnSlJqVGpYcnNuOG9mTVZUTVhwbjY0M1FHMGt2TnpuS3Q3eFZVQTd6QktITi12UnlTeEtDeFU5TG4zSUJheTluSVBYZ2dQUmtNTVhORXU3dDBiV0ZGdDZ1dF91bjBWaGs0QlBQd1J3SUZMcmtQUHo3Q1JQTVRxc3BiVHdJMHF0U3MxbV9NRlF3?oc=5) · Gainesville Times
- 2019-06-19 [Coastal States Bank Announces New Website and Redesigned Brand - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxQVFMxYWtPV1Rtc3Vzem9IaGJzZ0NDNTRNdTRPSTZXUThEYjB0Z2ZTUExxclhhQ0ZGX3JGZEZVNG9TYUMzWGRpSzRhN0tSMmZsc0FsQnVKcjFQTEc1ZW9LaW5iVDdUeVlNa3VSOUpBMllIM2Q1WFVoTG9CaXNMd1o2OHBBNjFUUldNWWFwY1UtS3p1QmtyT21rbF9IdHJ6ZjNsTGZQM0g3ZW4yalNvcmhCV1JYNWZndjZsVWc?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58421 (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/53.json (key "58421", 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