# KEYWORTH BANK
JOHNS CREEK, GA · FDIC certificate 58617 · asset band $300M-1B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $399.0M | |
| Deposits | $347.0M | |
| Loans and leases | $284.4M | |
| Total equity | $39.5M | |
| Loans / deposits | 81.19% (p46 of band) | 82.54% |
| Liquid assets / assets | 23.73% (p46 of band) | |
| Uninsured deposits / deposits | 28.57% (p75 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.59% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p36 of band) | 10.14% |
| Unrealized securities loss / equity | 1.53% (p48 of band) | 1.64% |
| AOCI / equity | 0.82% (p61 of band) | |
| ROA (annualized) | -3.37% (p0 of band) | 0.90% |
| Net interest margin | 3.79% (p65 of band) | 3.59% |
| Efficiency ratio | 228.89% (p100 of band) | |
| Noncurrent loans | 0.09% (p10 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 1075.20% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 118.58% (p94 of band) | |
| Auto loans | $19,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | assets shrinking |  |
| 2013-09 | 0 |  | assets shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | construction >100% equity |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | construction >100% equity |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 4 | capital falling, losing money, expense ratio p90, construction >100% equity |  |

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

- 2017-10-15 [Renasant Completes Merger with KeyWorth Bank - PR Newswire](https://news.google.com/rss/articles/CBMiogFBVV95cUxORGJLejl6bXVWWU1iM1F3YU4weU8xT1ptUURqa1Z3RjdQSmJ0MTlQWTlXdENFTzNBTVlWRTBhUkpVcVdrSHZrM2NpdU5OMmJHY3R0dk9acEI4M2hyT0xBOVcxLWdFQ3ZreXJaUE9hdEszbTlRWVdKeG5lWmhsdUk5ZTJjMzdvUk5CSVZQZXhDTFN5NDVPcVpfMmIwVjdPSlpYTmc?oc=5) · PR Newswire
- 2012-07-16 [KeyWorth Bank - Marietta.com](https://news.google.com/rss/articles/CBMiT0FVX3lxTFBCSmU4LXJPN2QyVTdIdnFMM0N5anBVVEVrVDI5MGM3cWlEUndqOF8xMzVFTDJDR1hlLVFuYVJNQ2Qxb052RnB5NVlGZ25FdkE?oc=5) · Marietta.com
- 2014-12-29 [KeyWorth Bank adds new associates - appenmedia.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQNWFJSjlPOFlUS3V4WjhOVFdsdkJTTHAxbF9aODdQcF83MVltb2JteGRqU0xkeEVDUENIVGVWcTFpVUotYjhhUTJxYnVwemZHTlllSVVveU1GS0Z5dVBjbVUzQVJSa1g1dTRuX21LVWlqOTYyTTdCUlZlQ2pBLV9KallpZEc0OEhJLUh2ZVFNR1gzLWtEa0ZZa2ZLUnBNWVFOTDF0Vjl4ZV9vdEZvLXdaejNDQVplQQ?oc=5) · appenmedia.com
- 2025-05-05 [Joe D Terry Obituary Nov 18, 2010 - affoplano.com](https://news.google.com/rss/articles/CBMiV0FVX3lxTE1qTjV3TExyTTVUWnI2WnAxSm9FMGdwa2VlSWVwM3dpQmsyWWdkODc5WGY3d2Y1Wktwd1hWcE9TTEF6Vnc4Mkc3dk9oeEdybkRqbmNqTFZLYw?oc=5) · affoplano.com
- 2016-10-22 [Oconee State Bank names new CEO - Online Athens](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbE9rSkR0R2J1UkpaMU9QTDFFX1VrOFo3amEyNUtqd3l2NkcwakZjVkp2ZGROZF85aXZiLWs2UlYwektRY1E0cEQ1ZzBZcjNwRGpiYmt0MlBnQ0l2ZlNEWlZsU2FMVkJaU1BjeFptMXd1bGZqdW1KRkdUZUdjaG5Tb3cwNkstdTZwQWJBVVBIQngtdGowY2hBZXZlVElna1NB?oc=5) · Online Athens
- 2013-09-10 [Cobb’s Financial Institutions - Marietta.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9MMTRJbWdlSnY5aDI5dnpfM0twN0t5WXRrLVFmVElWM0E1cTZmcWcyN25lbEpVUE9KbFRqWGx6blhRT1pkdWxzVXh1WlRWa05xR29DZGxhSFpnMERpa1h4Ti0tdw?oc=5) · Marietta.com
- 2011-04-12 [Memorial Service is Wednesday for Johns Creek Child Who Died in Ski Accident - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxOOWJJbHVxR3IxQkI2MjJKc01HSUZMejdSRVRUR2M4U09hNUV5MHZqcGZRbkpNNHBRa25BZTBLeklNbnp0Vk1DdVFIWDM0YmxEdXJKbVIzYnBreU9halZOSHpnN3JzMDJSYnJET2wxdFBDYmh2a3Vub3haUTUwNUx4YkJxcDNWM0QwV2VlM2Nla241akFLRFAwT0xLbllweXJIc0E?oc=5) · Patch
- 2011-04-12 [Tyler Wahl Safarriyeh Obituary (1999 - 2011) - Johns Creek, GA - gainesvilletimes.com - Legacy obituary](https://news.google.com/rss/articles/CBMiowFBVV95cUxPa1N0d3Q4MDhoN2FIUkZ4MGdmbnZwbm9hZGZOYXFwNW4tUkJlUHB6My1UMDlTMUNLLVZ5MXh5UnF2WVROalJRMmVLaTFyOTFtMC1tdko1WFFLTWdEMWxvTWRKeEs1bEoweUhBb0stRS1CNUZIa2dIWDhfcVdTSkNkQWdiZzZaUFFWVU16b1o5RU05U3RlQkpzTU85NlUzYXZwNF9V?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58617 (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/57.json (key "58617", 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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