# VININGS BANK
SMYRNA, GA · FDIC certificate 58533 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 8 (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 | $523.4M | |
| Deposits | $500.8M | |
| Loans and leases | $279.4M | |
| Total equity | $18.6M | |
| Loans / deposits | 55.26% (p20 of band) | 72.27% |
| Liquid assets / assets | 39.94% (p68 of band) | |
| Uninsured deposits / deposits | 60.72% (p97 of band) | 27.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.06% (p0 of band) | 9.98% |
| Unrealized securities loss / equity | -80.61% (p15 of band) | -28.34% |
| AOCI / equity | -68.70% (p15 of band) | |
| ROA (annualized) | -2.96% (p0 of band) | 1.08% |
| Net interest margin | 3.14% (p36 of band) | 3.33% |
| Efficiency ratio | 55.97% (p26 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.24% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 166.26% (p93 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -11.8% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **leverage <7%** (`cap_low`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 0 |  | assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits >50% |  |
| 2015-06 | 1 | capital falling | uninsured deposits >50% |
| 2015-09 | 1 | uninsured deposits >50% | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | AOCI drag >20% of equity |  |
| 2017-03 | 1 |  | AOCI drag >20% of equity |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, expense ratio p90 |  |
| 2019-06 | 4 | reserve under noncurrent |  |
| 2019-09 | 2 |  | expense ratio p90, reserve under noncurrent |
| 2019-12 | 3 | expense ratio p90, reserve under noncurrent | capital falling |
| 2020-03 | 2 |  | reserve under noncurrent |
| 2020-06 | 3 | wholesale funding >15%, leverage <7% | expense ratio p90 |
| 2020-09 | 2 |  | leverage <7% |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | wholesale funding >15% |
| 2021-09 | 2 | assets shrinking |  |
| 2021-12 | 3 | capital falling, charge-offs p90 | assets shrinking |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking | charge-offs p90 |
| 2022-06 | 5 | construction >100% equity | capital falling |
| 2022-09 | 8 | leverage <7%, losing money, deposits shrinking |  |

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

- 2022-02-22 [Georgia’s Own proposes 2022’s first bank purchase by credit union - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdjJhSVlLUWxpVUtoQjJ3YjFDV3FuaUxfbEJkQXk1Wm52UVlEcjBldU1YMF9mNFVweDVIaEV1eGFidHA5c3JtbHRaVVRqQU9pV0hXNmxhb2hyZ2FIck9rZ0xWeW1WYjRSaXFyejlzalNkOWtWVG5DOE9lNi1tUTFlSHhGY1RUVzNDdzUxWjkxU2k3MzdrVTFZaG1zRHE5YXJEbGFodGNPUQ?oc=5) · Banking Dive
- 2022-02-22 [Georgia’s Own CU Announces Bank Acquisition; More Deals Expected in Next 30 Days - cutoday.info](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVGUtMEY5MHdHUDVVdTdHM1NNdEx6N2JBeWYzRTNQOEdZRXAwU1hSZTUtWjJqWUQzWWVkWldJNUZlWFg5Z21HRHpQeWlOLXhsU2ZVdzBmTTNPdTJOaHpNQjlUMXZ2WjROSE0tdXFlYld0Y1dyM25oa1NMbGh4UHZpamc5WENHSGQ5ajQ4R3liLXJ5MmJQc1dVSTVfaTM1d0tjMkw5ZmRLRXVjTFVmRUJ5djU2T1o5LUU?oc=5) · cutoday.info
- 2022-02-21 [Georgia’s Own signs first credit union-bank deal of 2022 - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbDZvYXhuVjVEell6b3Vfd2gtWERwNDBPQTZOX3NLZnljb2lBRFlxSF92RXJwMGNrN3NvYUpLRjQzUkhfS05icTBVYVI3c2traUhBZFA2NGZxS3lpdndEZUtVYUQ3V0JDYUZwSmJKMlNaamczQllhazdzeVlkT000YlJrUGQ0aE1WcjZ4MVFoN3JKQWtRVFM5U21CcUFXUktlbzBkWjRCWQ?oc=5) · American Banker
- 2016-08-19 [Vinings Bank throws 100-year birthday party for GDOT - SaportaReport](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdGtEN0FaUnJUVTZ4LU9oQkZxSk94Mk9tdk1uYm1xUGkteTA1bVVHWTJVNE5zVFI3MnJ3NVl5NHR3V1NDYk85TFZQYXFjaTBvTWRjc1c5dlhrNFpUQ2t3OXdLbXY2SVdvNFNrYWsxV0ZfdDZ3bnl5NEI3VlFTNnQ0YjFqZDRmMmVYZ2ZvUGxkVkNzVFU4OG1ibklVLTlWaE5hWS1nT3JYelk5dw?oc=5) · SaportaReport
- 2014-07-25 [Smyrna's Vinings Bank named one of nation's best - The Business Journals](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZzVPOVR3bHYxV25nY0c5bWRPTld3TGNuRWtEdHRJVXJUQjdyUlpWUTYxTXB6dm12WjZ2eWk5X1h2YzBUOXhKeHZ6UG10NU56UEQwd1kyNDltX3ZLUGZqclc4bXh0cTlMY2tYVURTeWZGUGYtRGtDUC15bWRLaWVmLTRpSDVUVnRjYnhEWk5HTnhHMTZzOXJCMHFXXzNEOFVLa1JtQ29tc1o0Q0xZQlVWUloteEE?oc=5) · The Business Journals
- 2022-12-19 [Late surge in credit union-bank tie-ups pushes 2022 past 2021 - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxNTU5PdWJueWc4bXJBb0hicWZRcl92M2k5ZzB1MUdKWHJaSTU1VzV3WGhKcjI3ZE54UHQ1OV84a0RpVkwtbWlGN3psbk5JaHVPQWJWWUJ4TDRQdTRPRTh0bDFhM2JxSTAzS3ZhN25GOVNxSzlPQmhQX29GWWxtV2EtRmZDQ3hvaUFZc2E3QzFFS29HM05EY3RURFNSNExPRXJoZk9WMEtSaHd2SklGOVFWaVoybG5PZw?oc=5) · Banking Dive
- 2022-02-22 [Acquisitive credit unions have Georgia banks on their mind - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNmtFdkh6T05FMS0xZUFIUXp4LXl4Y2pwbXhDYkVVeTI4QmNDLXBRZ3l6UlJtQ01XWW82NWttd3pHTVk0SHJ1QWhOOVFIcjJvRXdFZ3JEaEhKM0k0STRReGt2ZWhHaGVGN0tEdXJUZTJhR2Z1aFFHa3h2WUt0WEdIaV81VkpIOUpRRGR1aDJFZzZpVkZvZ0xZRUpBMHQwS3dOTmQ1V2NLN1ZiTFE?oc=5) · American Banker
- 2015-10-06 [Alleged Vinings Bank Robber Returns for More, Gets Caught Instead - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeG03OGxkc1VMQkI3VnpTcFZNWkl0RGxDXzVMVklPWEswdXVzUlFybGpZTy11bEY1MnlpVGw2bC0wX3Vkd1VGd3Foa3hZR2REQ1lZSEFrbU1maXFabGNXVGFKOFJFZkVLVFFOb1pMakM4ZXh6R2U1WWhPX2ZzQXBMZ04tcG1JWEdhclZMa0lzUTFSR01zREFSLQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58533 (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/37.json (key "58533", 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