# SAVANNAH RIVER BANKING CO
AIKEN, SC · FDIC certificate 58515 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $152.3M | |
| Deposits | $121.5M | |
| Loans and leases | $110.4M | |
| Total equity | $22.2M | |
| Loans / deposits | 89.00% (p84 of band) | 69.26% |
| Liquid assets / assets | 21.23% (p20 of band) | |
| Uninsured deposits / deposits | 19.95% (p78 of band) | 12.49% |
| Brokered deposits | 2.13% | |
| Wholesale funding | 7.58% (p77 of band) | |
| FHLB advances / assets | 5.44% | |
| Tier 1 leverage | 14.17% (p86 of band) | 10.29% |
| Unrealized securities loss / equity | 0.87% (p85 of band) | -1.01% |
| AOCI / equity | -2.07% (p60 of band) | |
| ROA (annualized) | 0.68% (p45 of band) | 0.76% |
| Net interest margin | 3.80% (p60 of band) | 3.63% |
| Efficiency ratio | 69.29% (p37 of band) | |
| Noncurrent loans | 0.83% (p46 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 242.81% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 59.73% (p85 of band) | |
| Auto loans | $43,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.1% | |
| Employees | 28 | |

## Flags firing in the latest filing

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

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |

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

- 2014-02-07 [First Community Bank grows with move to Augusta - The Augusta Chronicle](https://news.google.com/rss/articles/CBMisAFBVV95cUxNX2hTWjBjWDN3Rk1VLVFMMmNhMVBqWWVWcklqanhFeWpzYTA3UThjZ3hMdy1UTXRjYnR4YlJZMHlDTmlqY3pZdDVnQmZoWmtCUk15ZVdsVHFtRWpGZEVtYkRWM3k3OU4xTU45cVVudVZPRy1tblc4bWpsbXZfZlhjZ3dXSG5tVy1oa3owNWZGS2hjWVYxVkFVd05BZ2tSdU5mUHI3YjM4T1Z1dTBPbXB3eA?oc=5) · The Augusta Chronicle
- 2018-02-10 [First Community Bank to open two new local offices - The Augusta Chronicle](https://news.google.com/rss/articles/CBMivwFBVV95cUxQOERwZjI3OFczV0pVN2c3NjlVZ1MtTW5FbGxVWndZQWhESk9ITEtmbjZfdU5NMkFqajZKX2ZyUE1LaUp1OEx5LXNNNDBFRnVpdllTOTBHT3NMQWhpamtWbTZfLWNiWXFhbGM3WUkxak9uVTlXRk5BZlgwVXFYWGY3MUVScUpzQ1BaRThMcXp6Rl9nQWV5NnFIS18zZldqSDdwYWo5RkhROGFBdUhrdnNfSXdFLVREVWlKU05kZlFqYw?oc=5) · The Augusta Chronicle
- 2017-06-03 [Head of market leader SRP sees great potential - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitgFBVV95cUxPWkpRLWszcHJUdzJuTUhzMGFSMjVFWEVGTUFqdnFTdlQwVzQyQmhCbXdoT196b2t4ajBlNVFlMEpHQTRxYkhIRFJIZ1NnZmdORlM3ekRmci1vNy02UnllWXhhY0hVbDltTE5QWTdlVmdhTDRHemVQMVJaY1RuNzhONDE0UXE5MDFydXRlQ05KUWlBR2ZuUmwzcFhWeUNjczVRTHhLMzhQMEdidUlBWlE1WlFFMUgwQQ?oc=5) · The Augusta Chronicle
- 2018-07-07 [The power of 'Q' - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiygFBVV95cUxOektNS3k4Wl8xVVE1djhlUU95MU94MGhvZ1ZrTnVTM08zMUh1ZW1HSlg2SDgyNlNTb05ON3ZlZ3pla1NGclhvTklPd1c1aFRVaTVscWZza3ZiOGpWODFpSEZJOXkxLWs4SUhQOEdDaXB2QnlxSWRvZUtmX3RHRlI5bzVSbFkzVHcxZV94TVh4dGxoNDU4UUs5R2hKVHlKdFZjLXcwZEZOcTI3UGN5czBTQ1hISjllSkxPMnBpcW9Ic0ptYW1vMHN1a1Z3?oc=5) · The Augusta Chronicle
- 2016-08-23 [Augusta bank president didn't follow 'typical' path to job - The Augusta Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQRzVXS1pWd2F4akZPUzRRd0UwYkhVV1Y5a3RIcUhMYmVybzV2alY1c0dZZGE2anZXZHZXTGlXV0xRZnlyMWtSSlBNR1h5bmxzUlh0dF9VWmgwS19sMnlneUJDOURsa3JPWm1ldWNBLWxMMFZtU2UzQWp6ZjFUdkplMVIzVDhyalluV2RVNDFRYWhpVzVjTTI0d19JWWc2SS10Yjk5d1MzSWtTcWtINm1xbUItR2szOTY4cVlvRUdQRnc3QQ?oc=5) · The Augusta Chronicle
- 2016-09-03 [Scuttlebiz: Area has lots of old banks, but new names - The Augusta Chronicle](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNEp3UHNFWmRpQUVlM29nN283M0xJNVNUNzZad3NJTFNQUEkwUjhGSndiQVVXaDZIV2lraGxGbHlKckE2UzZEWFhKaDZLcnU5RlE2eDVCUlhGYkJnSVR1emw4OEFoU1ROU0U0RmxydW1TWDNKZlg3UkwxYXZqNHlBc0NreVQwdTJfaVpFeXZ5b19wTjZHMGcyQXlySjQwci05eTlEb09mbVdqdms3SmtMZHVKejJyVmc?oc=5) · The Augusta Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58515 (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/19.json (key "58515", 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