# STATE BANK OF GEORGIA
FAYETTEVILLE, GA · FDIC certificate 58599 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $96.2M | |
| Deposits | $80.3M | |
| Loans and leases | $81.0M | |
| Total equity | $13.3M | |
| Loans / deposits | 99.95% (p89 of band) | 76.78% |
| Liquid assets / assets | 14.36% (p14 of band) | |
| Uninsured deposits / deposits | 34.10% (p94 of band) | 15.22% |
| Brokered deposits | 6.25% | |
| Wholesale funding | 8.33% (p79 of band) | |
| FHLB advances / assets | 2.08% | |
| Tier 1 leverage | 14.76% (p82 of band) | 11.19% |
| Unrealized securities loss / equity | -2.44% (p49 of band) | -2.38% |
| AOCI / equity | -0.70% (p62 of band) | |
| ROA (annualized) | 0.94% (p46 of band) | 1.00% |
| Net interest margin | 4.89% (p94 of band) | 3.78% |
| Efficiency ratio | 74.78% (p64 of band) | |
| Noncurrent loans | 0.11% (p26 of band) | 0.57% |
| Net charge-offs (annualized) | 0.05% (p75 of band) | |
| Reserve coverage of noncurrent | 791.01% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 94.19% (p94 of band) | |
| Auto loans | $413,000 (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 |  |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 6 | capital falling, expense ratio p90, noncurrent p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, capital falling, expense ratio p90, noncurrent p90 |
| 2012-06 | 6 | noncurrent p90 |  |
| 2012-09 | 3 |  | reserve under noncurrent, uninsured deposits leaving, noncurrent p90 |
| 2012-12 | 5 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 4 | noncurrent p90 | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2013-09 | 3 |  | reserve under noncurrent |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | reserve under noncurrent | assets shrinking |
| 2014-12 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-09 | 4 | reserve under noncurrent |  |
| 2015-12 | 3 |  | assets shrinking |
| 2016-03 | 1 |  | charge-offs p90, deposits shrinking |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 | loans exceed deposits | reserve under noncurrent |
| 2017-06 | 0 |  | loans exceed deposits |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity | capital falling |
| 2018-06 | 0 |  | loans exceed deposits, liquid assets <10%, construction >100% equity |

## 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
- 2021-09-08 [Fayetteville author Jerry Stapleton releases ‘Out of Fire and Ash’ - TheCitizen.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxONlc1TjYwMnRqSkQtWVo4NDYzdEhrb2pjQzkzclNnNjNYdTlMdU41VjZydVdFWnl3NEdIRUNvcEk2V3dCUXRBOWdwclBEclNIYjZuU1JTWVNRVjlWSzJPTE5KV05BXzhqMVJ0NExkS0FVM2x2cTlDS3R0WU5yQ3lNOW56MDVaWk1EWnJia1ZDQ0tzRjgxWW5FcEJVbkFSNk8y?oc=5) · TheCitizen.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58599 (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/39.json (key "58599", 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