# CAROLINA ALLIANCE BANK
SPARTANBURG, SC · FDIC certificate 58432 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $757.3M | |
| Deposits | $631.8M | |
| Loans and leases | $590.8M | |
| Total equity | $84.5M | |
| Loans / deposits | 92.64% (p70 of band) | 84.98% |
| Liquid assets / assets | 15.94% (p25 of band) | |
| Uninsured deposits / deposits | 18.00% (p36 of band) | 21.58% |
| Brokered deposits | 6.69% | |
| Wholesale funding | 11.33% (p80 of band) | |
| FHLB advances / assets | 2.06% | |
| Tier 1 leverage | 10.64% (p51 of band) | 10.59% |
| Unrealized securities loss / equity | -1.43% (p25 of band) | -0.32% |
| AOCI / equity | 0.76% (p39 of band) | |
| ROA (annualized) | 0.30% (p6 of band) | 1.08% |
| Net interest margin | 3.56% (p37 of band) | 3.73% |
| Efficiency ratio | 86.50% (p94 of band) | |
| Noncurrent loans | 0.54% (p52 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 173.01% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 65.84% (p72 of band) | |
| Auto loans | $997,000 (0.17% of loans; DQ 0.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | brokered >10% |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | brokered >10% |  |
| 2013-12 | 3 | wholesale funding >15%, capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | expense ratio p90 |  |

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

- 2018-09-14 [Park National announces plan to acquire South Carolina bank - newarkadvocate.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQZlAwMUcxX3BCVkV1RFZ4c0d3LVFNcThjcWltWEdDMmtySUZKaWoyX04tRWJlQ1hkZDdwSWNBeXZxTDllSTNGOUdYbnB1UGdaaEtKdUJ5MlFMX05PcnEyR3JTNzFPUW9udWdZZXB3NERRLVcwYXZiUDZ2SVc4VDY4VlByU0tPV1VPdWFkSU9jeThpc3ZENTg4NEhLX0FLYmxIc2xWWU9Ici12NTZpbWkzRE9DOXpDc2ltamZ6ZVRn?oc=5) · newarkadvocate.com
- 2018-09-13 [Park National to buy South Carolina bank - The Columbus Dispatch](https://news.google.com/rss/articles/CBMilAFBVV95cUxOb0tfVHFTam41TFZCeGVHTWF6NVRfNTd6Zlhmb05zT0pvVUpub3ZJLVc3dkhrOEppN3EteHpmU2x2dG1Qak1WRFlJWEFFdjlLS0FvejBON1hpUlFHblA5ajBEei1kNkZxd1hBTWJKYlJBOTdYeVh1bEw0MGNjNmJuYmRkdEowMDdLemtZNnB3QXgxLTNH?oc=5) · The Columbus Dispatch
- 2017-02-02 [Carolina Alliance Bank to form holding company - GoUpstate](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQM283OWpqU1BhWDVOLXlNUTNrd0VqanU2WjNTaVY1cDJzRWVSbGRoUG9pd21idjg0Y1hEV25MVml5WmQ5NDc3NHBHdWl2cnBGbG9rcTJTLVFRZkdfSTNRUW9OV2M3OUNqN1lNUjFDUmZhUlpLaHNfbUlON2d3SlUtT3lDX2diemhLWm9TbDVEWFB2dEV0N05jcE01MF82eW9uTll5S3N2NFdxVFE?oc=5) · GoUpstate
- 2013-08-08 [Forest Commercial Bank to merge with Carolina Alliance Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWUZXZWZhY3VydHVCQTRCcVBoT2FLVFRDVXUwZDlFOWc1bkM2eXlKVjFVTTFHS3RpWTlzR2tsclJaOE1RZmpxcWo2ZmFXU2VYc3NRZWVrbnJWSGh0Q1F6dUQxYm5Pb3M5eTVONjU1TFVDR0xjTUxDNC1OZlZDRU9NM1ZWSFRGR041ZTRCd3IwNkFuOHRkMmNBanJ4MnpTZTRhZUVLcXZn?oc=5) · The Business Journals
- 2018-08-02 [Bank employee pleads guilty in embezzlement case - WYFF](https://news.google.com/rss/articles/CBMijwFBVV95cUxPQ01WX05EOGlJVUNHVWtmaHhlTGlxRVgtb19LTkZvNE5QNkxCTU5tV295cV9neG1MMWs0QnlYMzkxV05YbWs1aS1DYXRMQkVWNTBsX25ENDVIemhrQTJTVHdwbjhrdkpfRDNHTXRiNHFsc2RzWXVMaWlaNkk0ZGt3Qm44QW83UlVNZThkdFZodw?oc=5) · WYFF
- 2016-07-16 [Travis Lawson joins Carolina Alliance Bank - GoUpstate](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcFUxcDU4R2pXeGRlMnpfdkVfUjdRaHIyMmQtczRIZ3dsdzVScm9uU0ViLWpheDhmZDFSSFR0enVKRU1JV1RwZnVTNXY2WXdSNTktaUZEbFp0WW43Y1NWbG9xc0FXUmhkQjVuVjdMRUsxNzUwYkhrVWprZHUxRFdTSjlobVVfWVBqWnU4U0QzNTdzTzNpMERpa2I1UmVXSUR0ZzZCRzNUNmhhLWc?oc=5) · GoUpstate
- 2016-01-26 [Vollie C. "Vic" Bailey, Jr. Obituary Jan 26, 2016 - The J. M. Dunbar Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9TTTJwbElfcnk0Zmo0aGpvdXAya1o2MHNEbWtjRFk4ZWlrZ3gxak1RWnluY3NPRGZ3MWRQb21QUEMwZDEtS1dZUjh0czg0ZFdrb3VZLXZn?oc=5) · The J. M. Dunbar Funeral Home & Crematory
- 2015-08-22 [Bank officer, active in civic affairs, accused of embezzlement - WYFF](https://news.google.com/rss/articles/CBMinwFBVV95cUxQaVpZeGlIdmQzMVYySUVOb2QtaWkxR1FoVVdkSjduekoxTkFud0k5U3NudmZybks0bVJsSkd4NnUyc2Nrb0RuYlRpSUNhcERRM0l5aTZnMGdVOXZsTG4tT2k0cGtSX19ENUZMSlBqcmFRTkg5eW44blRYZzRBZThDcnVtcDNxVll0VnhFbjVrTUJiekZWY25WVGhhR09ad1E?oc=5) · WYFF

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58432 (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/0.json (key "58432", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide