# PROMISEONE BANK
DULUTH, GA · FDIC certificate 58657 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $812.2M | |
| Deposits | $732.2M | |
| Loans and leases | $619.0M | |
| Total equity | $69.7M | |
| Loans / deposits | 83.73% (p55 of band) | 82.04% |
| Liquid assets / assets | 22.41% (p41 of band) | |
| Uninsured deposits / deposits | 25.73% (p49 of band) | 25.97% |
| Brokered deposits | 0.95% | |
| Wholesale funding | 0.95% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.12% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -23.95% (p18 of band) | -8.10% |
| AOCI / equity | -0.21% (p58 of band) | |
| ROA (annualized) | 1.52% (p65 of band) | 1.28% |
| Net interest margin | 3.21% (p16 of band) | 3.91% |
| Efficiency ratio | 57.74% (p39 of band) | |
| Noncurrent loans | 0.81% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 118.87% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 3.04% (p7 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 | -1.1% | |
| Employees | 99 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-09 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | uninsured deposits leaving | capital falling |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2019-06 | 1 | capital falling | uninsured deposits leaving |
| 2019-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | wholesale funding >15%, securities losses >30% of equity |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 3 | charge-offs p90, uninsured deposits leaving | AOCI drag >20% of equity, wholesale funding >15%, capital falling |
| 2023-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 2 | reserve under noncurrent |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity, reserve under noncurrent |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | charge-offs p90 | capital falling |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2024-10-22 [New Bank opens in Annandale - Annandale Today](https://news.google.com/rss/articles/CBMiZkFVX3lxTE82eVBRM3B6dXBneGw0U0JqZnM3cGJ5NHA5M29aWlRYZTBVY2FZVC1KMEtTUXltRk5PdWlidEJ5c2FScW4zdFVfZXYzLVBzaVZ1N1pBRndSR3VyMWVhT25RekoxVTc2UQ?oc=5) · Annandale Today
- 2024-10-02 [Korean-American bank out of Atlanta entering Northern Virginia market - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT001emRnVThxV2VwNzRYWVkzMG5GcHNPTDZOXzZYRlp1ZllVZkxGc0dyOXlfLWZWbnhPLTdkM1hvbDNJaEYtWElVcC1yQ0l1a1ZLdlcwOU96djFiN1Y1RGhUenpGU2h1TGgtdmctYWdCZkV4ekp5bHh1Mkw3amt1V2hXalhiZ25DdDB0czRiQk9vOGlaNWQ1b0RHcDNZaHVqejRnT2VLQmQ?oc=5) · The Business Journals
- 2024-11-01 [Monthly Bulletin – November 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTE9hd3ljSjNJc0lUQVY1WlBXYUFfanRnZ0pSRTBvWlM3VDJTbFVOZWpYbDZfX3pPMjhuOXFrQ1pHU0RYUUpDSFhpdGkzeWh4Q0R5dmVuVU94a3JNcVVHenE3bmRGXzZ4dWlrb25SQmloRERGZnNIZExpOTFDa2tlZEk?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2024-04-16 [Bank of Hope to sell two Virginia branches, bringing number down to 46 - The Korea Daily](https://news.google.com/rss/articles/CBMinAFBVV95cUxPUWZBOXF1b1hTWURMQlR3TjZGWnE3eTFBYmRHMnFrLTFJaVh4NjRDWnFxWnh2SHJ1VnZ0VXdPSEd6TE9BRXh1bk9QSndra3RxUUdWbkpnbWdRVHVQLURaRjQ2MFVNcGp3WmFiUGFiREViNTJiQjJlV3Z2ZnkzSno3bVZvNmZUM2dPVk1DRjdJYncxcVgtMVphcGJFOHk?oc=5) · The Korea Daily
- 2023-07-08 [PPP Loans: Lender List and Requirements - SmartAsset](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5JM015SVgxMnVrSXlyYThNTlQtTl9KTjBwU2otRHJiRGdwRUhtVnZJWVhwcmVLNEs3SVJiU1AzQUVLTFR4eGxtMkdOTHRidmUxd0l5dld2bnRpQ2RLOHVDcV85ZldLeTRq?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58657 (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/33.json (key "58657", 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