# GREAT STATE BANK
WILKESBORO, NC · FDIC certificate 58659 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $144.2M | |
| Deposits | $129.6M | |
| Loans and leases | $97.3M | |
| Total equity | $11.6M | |
| Loans / deposits | 74.16% (p45 of band) | 76.78% |
| Liquid assets / assets | 31.48% (p54 of band) | |
| Uninsured deposits / deposits | 16.02% (p53 of band) | 15.22% |
| Brokered deposits | 0.99% | |
| Wholesale funding | 2.38% (p53 of band) | |
| FHLB advances / assets | 1.39% | |
| Tier 1 leverage | 8.19% (p5 of band) | 11.19% |
| Unrealized securities loss / equity | -1.13% (p66 of band) | -2.38% |
| AOCI / equity | -0.29% (p74 of band) | |
| ROA (annualized) | -1.05% (p2 of band) | 1.00% |
| Net interest margin | 3.32% (p25 of band) | 3.78% |
| Efficiency ratio | 135.58% (p99 of band) | |
| Noncurrent loans | 1.03% (p66 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 122.24% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 66.29% (p86 of band) | |
| Auto loans | $48,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 0 |  | capital falling, reserve under noncurrent |
| 2018-06 | 2 | losing money, expense ratio p90 |  |

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

- 2019-01-22 [Chief Financial Officer of Skyline National Bank - SEC.gov - SEC.gov](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaHNzNE9USHpvME5BdTI3OV96MTRnRnR2dHBHMUpybGttM1lGRDdzZFE5T0dXY3VIa2dENWx3X1hVRFNCbUhvQUl1azFzME93VVAzbXZucHpJamlfcG9ubzQ2YWRoV2RQU0dLMDl2YkNLUDdfaGY3Mm1hRlc1ZGVPUDAxQQ?oc=5) · SEC.gov
- 2024-01-21 [Patricia "Trisha" Cockerham Reid Obituary Jul 25, 2017 - Gentry Family Funeral Service](https://news.google.com/rss/articles/CBMid0FVX3lxTE9IT3V5Ul9kcEI2VXgyWlYwVWREdWp6cVc1NG9RTDZzS2pGcmx1aXFCQlFubUtkczlMTmxjTEhDNW5xay1tV2NsUXdTMHk3Y1lpTEhueEZhaFY4bjM1VVZXZXVWeHVybXBvNGdrejZhdC1GVHpfd21N?oc=5) · Gentry Family Funeral Service
- 2023-07-25 [A Tribute to the late Greg Edwards held Friday, July 14 - The Wilkes Record](https://news.google.com/rss/articles/CBMingFBVV95cUxOaFhMdEE4QXBCaG9FZFg0UlMyTXRSTGR3Z29UU2I1enFZNEdWWGQyLTNNdWR2aDVGcHhINzhRWXNPVDQ2OHZwZUd4REZUR29nSWZseWNXV3BpeVEwY29fekZQQnhXTC00QzdpVVQxTXBpYU11N0dDeTVSRVRHWDlyT01zY0w5TVpaNVROcFVmdjBKYTZoWWhFekVRVl9tZw?oc=5) · The Wilkes Record
- 2021-07-14 [Daye looks back on over 40 years as local banker - journalpatriot.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOWlBZVTNRX0s3Tk5KckZXODhTYUVoTHJMWGxyXy14SHY0WFhvakJrcW13eUVDSWx1QXFuTG4tU25vclJIakFFamFwaWY0aFBXSlNtZmN5TmxTcWp2TUVnRGtHb0dNdFlYSVJMU05McmZiYldtYnQtYkJyQjBWMjlpb3RDTjBSd2d5NUgybHVCZ3F0S05wVmRKbDcwS2dFWnBYbkYyYkxJRUlUZERkaEhYeDNuVVVTSEx4aUxVdG5QUVg1elRUdHJDYVItQ1d4MVk?oc=5) · journalpatriot.com
- 2016-04-08 [Top Industries in the Wilkesboro and Wilkes County, NC area - livability.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMU5xZGRBMmgycll4LXJjSHc4RkR5bFpsZnJpczFMR2hBV2VQMkdIanEySVlXRFBScUxrY3dOZklWbUp6dFk5Rnk0dzRGcVViX1Q5MjNrTm83a3hoLU1RNWcwQzdSeGdoSktIYll6a2pFaFh6ei1Gc0hraE14TGFjeExpWFBnMldmVE1BYU5lai1EejdCaDJWT2tQUkVqQjVXUkpPQlVCaWhwaVFUU1JWSw?oc=5) · livability.com
- 2011-11-30 [Freddie Huskey Obituary (2011) - North Wilkesboro, NC - Winston-Salem Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVjl2akFMM0tXUW93NzZLNUNWUmdING1BMll6SVpiSkw1dVFpZG42Q2Z4TUotc3EwTTViRnhrQjhiMzBjbmNRUHZOX24xX19yaVV5UWRKY01EelRmQWNRSUx0M254RndXTllUeTFIV3dBQ2VVWFVURmhlNlVEa3k3QzBoQjhlUDNRcmgySG8tcUJGdTcy?oc=5) · legacy.com
- 2017-01-20 [Chamber recognizes businesses, individuals - journalpatriot.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNRnR0c2FYYTNWOHhKQ0w0dFJJaUpOOFlKaHNQWkZrVWlRM0V3REhVekw3OVllVDktLXliRVFCeVNVMTZHTUJaSnJ4d2lWOTV3bHJhNmlfT096WmNDVGl6V2V1NmtoaXNHamVCREF5XzQ0MzItelpjSEpIdU9LNHdMSUQwb0JLYTdjYng5akx3Mm5DVklPdnU1UTBnVEZ1UEltV1dLWHV3NTQ0djFqRzdkbkJYVnVwcTVYTXNCLURVaG5kQmV6b3c?oc=5) · journalpatriot.com
- 2025-02-13 [Wilkes County Hall of Fame Announces Class of 2025 - The Wilkes Record](https://news.google.com/rss/articles/CBMilwFBVV95cUxNZUVMVDQwdi1yNXBvWEhXdFVyYy1ZaXRYTWRMUFowZlZwc3FhU0oxQXNzajlJWTEzWFdnX2FHSUZPYmVIMGZPSU9zaDVYV203aGxGTzcxZkc3ZHBiWUdRdFZ3QVBWS21FVlBtMmZqUEdDQXQ4UjFpQU5HcUk4R0ticzhaUVFHMW9Salp0REdTamRiQU8ybldj?oc=5) · The Wilkes Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58659 (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/35.json (key "58659", 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