# FIRST CAHAWBA BANK
SELMA, AL · FDIC certificate 58636 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $205.7M | |
| Deposits | $186.6M | |
| Loans and leases | $148.4M | |
| Total equity | $18.6M | |
| Loans / deposits | 78.66% (p60 of band) | 73.59% |
| Liquid assets / assets | 24.29% (p30 of band) | |
| Uninsured deposits / deposits | 32.99% (p86 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -22.54% (p20 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 4.96% (p89 of band) | 3.93% |
| Efficiency ratio | 66.84% (p53 of band) | |
| Noncurrent loans | 0.12% (p36 of band) | 0.36% |
| Net charge-offs (annualized) | -0.04% (p5 of band) | |
| Reserve coverage of noncurrent | 876.40% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 74.76% (p89 of band) | |
| Auto loans | $478,000 (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | uninsured deposits leaving | capital falling |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | losing money, charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling, losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | construction >100% equity | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | deposits shrinking |  |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 2 |  | deposits shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 0 |  |  |

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

- 2026-01-03 [First Cahawba Bank names Selma native Caleb Morris to Board of Directors - blackbeltnewsnetwork.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOcXA4SjRfTGVZOE5qczBiel8xTUZWVWJqQm5nZmpBMjliY2FIN2Q3a0FOTkJLeGJzbllhNUVoUG1xLVpUUFY2ZHE2Ti15dnViQ2U5Rzh4OE1ZY2otbHRIZWx1emdGRkFmdm42MUZ6Mmp5VUNOUHFHU3B1eWJqb01mbi1SUUY1QjV5MkhLbnR2T01rUjBheFY5bVhuZWkxYi1HRWVTam5SY2lrNUNlQmJCeEIyWHVTN3JVU1Z6UHFkQm1kU2JJN1FxV1lHampvTjRuU3cyR0tqdGEzaGZCTlVDbG1NTW1CNnBfT2ktZzN1c3ZWcUw1ZlN6SW8xNFg?oc=5) · blackbeltnewsnetwork.com
- 2017-10-02 [HOMETOWN BUSINESS: First Cahawba Bank celebrates 10 year ann... - The Selma Times-Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxNS3FRX2lIRWVQeGx3QWpGYXJTUHhFakpTUW9nYkJTRTE2alVDSVpzRWhaTFhENDJyaXJMMFRkdDJNbjhvbWZMUXZMVkFZZ1o5Zk1FR0ZzTmpLWVRhOVRJWEFDR3hsUXRZa2tUc3FWb0pQcHZjUmFmbWljc0t3Y28xSUhGWHQ4Q0lCXzlOVDZNamptRzU4QWZvUFpXazB6TDg1VGw2cjVSUlM1c2NlTGQyM3ZrUQ?oc=5) · The Selma Times-Journal
- 2017-01-07 [Walters named bank president - The Selma Times-Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE41QUE2UWVsSVRwYjdrQ3VYR0NDY2c3cGVjbmo0TFdMTzllYzV1Xy1XTm5IQUNNSnFQWmgyZmdsLWtaZzIzS2oxdXowcU9xSGhLWUtVaHBxZkRXYUlxYjdDcHlBYTdacy0wazVKUVJxUjBwU0tMNVZhOVFUMURKNnc?oc=5) · The Selma Times-Journal
- 2024-12-20 [Google Wallet supports 16 new US banks now - androidpolice.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · androidpolice.com
- 2024-08-26 [Caden Tellier GoFundMe amasses nearly $90,000 after death of teen football player - Montgomery Advertiser](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNOWttRnR3ZkdpVHdLYV9hUnNkVEczN3lYdWhLemdMMHkwdmlFdXFQYUM4MmpTNm9wdnlTNkxhZ2hLa29xX0FQOURWR3hmRnhWdDhsQ1ljLTRhS2QxQTRGVkxOS0VJQzNrajdBRzZjaWJmUTZxZGdDWU5sXzZoUFFldVJNZVJpbFhXaGhvTTdHbmV4WDlrMHR5MnJ1X3M5VUxCSVhoMDZQUmhUWHZzVzNVMl9SQi1FT3UwLTNpcm5vTnVaaTA2R01nZWdHQVJIeXpBSVdmcjlvZzgwYXN5NWhJ?oc=5) · Montgomery Advertiser
- 2023-04-18 [NWTF Blaster Chapter had strong crowd at 33rd annual banquet - The Selma Times-Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbGNNYnpqUTM2dVR2TUlIQkc2VWJyZE9PZkNxdUZQMTRzZXlEcjM3S19OemljV0N6M0Vkak1oYkhqLWdTTVdFdVk0NWZtb2NmSE94MV8zSTl6cTZjRDVFOTBNRjJhZVRwMm1mRGc5UnNzcUx3TzNCb2tUMzZPLWhfUmd2bHFuc0o4eUxUdGQwbE9YY0hLS2x4NExrUmR5YkVTN3VZOXdHUEFwQQ?oc=5) · The Selma Times-Journal
- 2010-10-26 [Steve Lamar Travis - The Selma Times-Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE5ET0ZBZ0NLRnlfbFV2OTVtU1FXb19MSUhoaFR2SDZTU3drZnViUlpyTHlKUDlsanVIMGVoZUdqeTBHdDNuSG9OS21NZGpZM1JodXE0T19sanlaeDZvVy1QLWMwRVFha2tiT3ZzMHY5QTVZNnJOR01QUA?oc=5) · The Selma Times-Journal
- 2017-01-14 [Friends remember Wilkerson - The Selma Times-Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTFB5aHpBTGxCd24wakUwRlFuemhJanRWWXFhd1pibFpJQWR4WTQtbXBieWhQM1RpN2NQbmlvTS11d3BpbHRNR0NjYk5pMmlxZjNMdVVteDZLX08weTIybDVvVF80UDNYWnhzbHBEaDJOVnk4WXFhRHBKZGotajY?oc=5) · The Selma Times-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58636 (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/12.json (key "58636", 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