# FIRST CHOICE COMMUNITY BANK
DALLAS, GA · FDIC certificate 58539 · asset band <$300M · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. 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 | $291.2M | |
| Deposits | $294.8M | |
| Loans and leases | $251.1M | |
| Total equity | $-8.4M | |
| Loans / deposits | 79.41% (p68 of band) | 70.88% |
| Liquid assets / assets | 13.91% (p6 of band) | |
| Uninsured deposits / deposits | 2.26% (p14 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.37% (p43 of band) | |
| FHLB advances / assets | 1.37% | |
| Tier 1 leverage | -6.75% (p0 of band) | 9.71% |
| Unrealized securities loss / equity | – | 0.79% |
| AOCI / equity | – | |
| ROA (annualized) | -1.00% (p7 of band) | 0.66% |
| Net interest margin | 2.17% (p3 of band) | 3.79% |
| Efficiency ratio | 136.14% (p96 of band) | |
| Noncurrent loans | 37.11% (p100 of band) | 1.53% |
| Net charge-offs (annualized) | 0.18% (p69 of band) | |
| Reserve coverage of noncurrent | 18.24% | |
| Real estate % of loans | 94% | |
| Construction % of loans | – | |
| Auto loans | $374,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 62 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2011-04-30 [Park Avenue Bank closes - Valdosta Daily Times](https://news.google.com/rss/articles/CBMidEFVX3lxTE5fVmVVRFhya1l4aHhnZUV3cFIzWkN1VkhTblhsUU1Kb0Y5SWU5MlNkeE5SRnc1LThrTVh0NUFjX0dvVm1GM1JvZlRFR2VPdk9vS0FiOTNUOWVsdXhwbE5rYnNWSUhQNDV6ZHhHTDFqRnQ1LTVP?oc=5) · Valdosta Daily Times
- 2008-02-01 [Hal Echols Obituary February 1, 2008 - samclarkfuneralhome.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBNczZtendsRnRoazd2aVVlb01fb05BcTFjSUZkOXY0RDQtTEg1M0pYd2o5X2VicGNqQW1BRF9RYVdpU1VLeHZwaXlLNGZrVnJuYnhiZ0tBRmVsZzlycm1zaUtLTmo4STY1?oc=5) · samclarkfuneralhome.com
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2017-09-24 [A List of Bank of the Ozarks' Acquisitions - The Motley Fool](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZGNiLWRrMXU0WTJEcV8teWt0eUhOV2tveDRxYzRtWkloaVFOcWZGR3RpZHpXcW5SUVBMT2EzY05RU3JqcTFsNmt3Q3pKb2pXNWhWcElwcHdzN0FRSkVSd0szZ3ZxR3lyQ3RKTDQ3d3J5YkdyWE9aa1paa0J2YTY4VlNJRWZxT25SNU5oQi0wNUlZZw?oc=5) · The Motley Fool
- 2008-02-14 [Teen pleads guilty to bank robbery - Douglas County Sentinel](https://news.google.com/rss/articles/CBMivwFBVV95cUxOTkNCRnRJWXJ5RDBKTjl2dU9QNUYtUjVMcFE4LUlmYjIwdlJXRmc2dUJBUkpxLU1qWUFrcFlmWkdYZ3E2WXUzdXowU2xsS0Zkb3RMOEh2RHRYOWhJWlhnbGExbzBzVFlhS0ZKckx4b24wTTJFcWVuTzFpUlVZSDJQbWpWZnQ5dTFNeGhGcUJHTGRjTEh1Qjk5RjAzZjZ4dXFZOVRlSDNmaXhLTmhkeUxwTW5jbk1FWWRiNzJIZWFMSQ?oc=5) · Douglas County Sentinel
- 2022-10-07 [Inmate in Georgia’s maximum security prison accused of impersonating billionaires to steal millions - AJC.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQWGxYTkFpdE8wYlJOUzdScGJmWEdPaGRuaHpNNDdfNkpDMWJVcWktcnE5azVEQ3JOc2dleW01bTFjdlRVYmtaYXQ1SGwzZWJtUXRDbzQ5SzRKNFNYQ1VnOEFFNE4xUTlUUThWaTU0dlByWUpmRzhMZ1RodTRXTzUyUWRMS3ZSSnJUaTBDeEQ1Skc0U0JiT1ZjbUlzelVTTHFUcENtSlo2MTVsSmllQ3lMMWlleUhsbnlWbk5IUUlEYjNITzEyaU43VUZlWGRjUWZ3b1RlS1FkRDVlZG14UkdBRGRKR0QyeU5WR1hQMU1vSTEzMzVhcVJMRGlhdm8xT1R6WFNUNGgtYVY?oc=5) · AJC.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58539 (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/43.json (key "58539", 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