# BROOKHAVEN BANK
ATLANTA, GA · FDIC certificate 58456 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $168.8M | |
| Deposits | $138.9M | |
| Loans and leases | $119.4M | |
| Total equity | $20.9M | |
| Loans / deposits | 84.31% (p78 of band) | 69.26% |
| Liquid assets / assets | 27.65% (p34 of band) | |
| Uninsured deposits / deposits | 17.89% (p74 of band) | 11.87% |
| Brokered deposits | 2.93% | |
| Wholesale funding | 7.93% (p78 of band) | |
| FHLB advances / assets | 2.20% | |
| Tier 1 leverage | 11.20% (p63 of band) | 10.33% |
| Unrealized securities loss / equity | -2.24% (p34 of band) | -0.53% |
| AOCI / equity | -5.71% (p33 of band) | |
| ROA (annualized) | 2.06% (p95 of band) | 0.77% |
| Net interest margin | 3.77% (p59 of band) | 3.62% |
| Efficiency ratio | 74.91% (p53 of band) | |
| Noncurrent loans | 1.80% (p64 of band) | 1.08% |
| Net charge-offs (annualized) | 0.11% (p65 of band) | |
| Reserve coverage of noncurrent | 107.09% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 55.90% (p84 of band) | |
| Auto loans | $36,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.6% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

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

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

- 2024-03-27 [Man suspected of robbing Brookhaven bank identified - WSB-TV](https://news.google.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?oc=5) · WSB-TV
- 2017-08-29 [Arrest made in Brookhaven bank burglary - The Champion Newspaper](https://news.google.com/rss/articles/CBMifkFVX3lxTFBzR0pKN0EzSWV4MmFIZkFBUnptMHdWT0JMRzR1UnJZRnQ3NGFhQzNSRk1fZHlUSVg2NG4wdDNPdGZzR0wwRURibTlIVHVLakJZOWhkQjVBUS15OHVHQXJYQVgzMDdrM0NVUnBxeV9KZkdabjlwbVBfYUpNQ0N4Zw?oc=5) · The Champion Newspaper
- 2011-02-20 [Charles Moreton Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMTJSdWYwRS1nSE1YQnI1OFFYdlRnRElZeUdpSEs3cU4zY1ZCQXJsVGlWS29lblZnNENRbGhoVjNaVXpwRk9JRVpqMEFrWGU1cGNpcVFVRVA0eXlFZjdJdEJUREo0aWdtWVBhN2tKcC1vdXFlUFVwM2QtYzByenNzYkJGaw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58456 (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/24.json (key "58456", 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