# CALUMET BANK
LAGRANGE, GA · FDIC certificate 58670 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $207.3M | |
| Deposits | $185.3M | |
| Loans and leases | $132.0M | |
| Total equity | $20.4M | |
| Loans / deposits | 70.43% (p39 of band) | 76.50% |
| Liquid assets / assets | 31.42% (p53 of band) | |
| Uninsured deposits / deposits | 35.26% (p93 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.48% (p45 of band) | |
| FHLB advances / assets | 0.48% | |
| Tier 1 leverage | 9.86% (p25 of band) | 11.35% |
| Unrealized securities loss / equity | -1.66% (p23 of band) | -0.33% |
| AOCI / equity | 3.12% (p83 of band) | |
| ROA (annualized) | 1.13% (p58 of band) | 0.99% |
| Net interest margin | 3.81% (p51 of band) | 3.80% |
| Efficiency ratio | 59.53% (p23 of band) | |
| Noncurrent loans | 0.25% (p36 of band) | 0.56% |
| Net charge-offs (annualized) | 0.33% (p94 of band) | |
| Reserve coverage of noncurrent | 446.34% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 101.53% (p95 of band) | |
| Auto loans | $363,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 0 |  | reserve under noncurrent, capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-09 | 2 | capital falling, reserve under noncurrent |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, construction >100% equity |  |
| 2019-03 | 2 | charge-offs p90 | capital falling |

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

- 2026-06-26 [Two Southeast banks to merge in $163M deal - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdnVFcU9uSTNncEtPV3o5dUpuc21hOFI3N1BYVURNa0wtVkNTMlhzaC14cEpuUU0xM2p4d2ItLXpYcnpETEdIN1laTzZpQkR4UldiVGpDUEFCaFY1ODNHemJ3U3dHb1M3TDdBaE9zTGNOaHhHVHJCek1DbnVNcWRWOHNn?oc=5) · Banking Dive
- 2018-12-18 [Colony Bankcorp Signs Definitive Agreement to Acquire LaGrange, Georgia-Based LBC Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOQUxEWDF2dkxQY1NrUmhCZ1c2WEpzTkRQWmdGSXdwNGJOdFlHLUoybUpYaDFaSk4xcFE4RFRBOGpmZHdvU2lNZ3NpVl83bDBaZlZvMnhJSWJybzhIWkd3ZVNpM1dkd01DUkpvXzhZOGhXd2lfTXlBZnJHOVJkUnFoUFFDeXJHMGFwaEVxaFUxdklUY0g3YjkydG1POHRwT1E4VFdvVzlRZTFHOHEyWlZFTy1TN0ZBVFc2d05oeERfU3dncmJoY1ZTX094bFd4TTE1VTFpRXRMSGRteEpDVkk3SkI4QlFKNUN0cVRxR1NiOWhDY205LWd3a21tdw?oc=5) · GlobeNewswire
- 2023-02-27 [LaGrange community still in shock after sudden loss of Mike and Leanne Speight - LaGrange Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZFZxRDlmZ2gxSXVSaWQxRGVJYnZBN1JXQndDRGN4QUZnSWE2QlRvaUh2R0ktU3dkRUNWdkRZSmQ5d2tXWlVBejJraVJOd0xrQ29EMFRCLXlpaVBGcFpPdUpPZldKZ2dQVC1ZbzV6LTFwRVpleUE3SVUyNFkwS2g5eHFsUlY4YW9kTkdhTTB6WnpQVEpveU84czRIZDhtZndpMTl4NlMyLWpNdUpURHVNQ0hMLWNMbDh4end3?oc=5) · LaGrange Daily News
- 2020-05-15 [Colony Bankcorp Names Leonard H. Bateman, Jr. Executive Vice President and Chief Credit Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOeTE5Vng3RjVUbUFIS2ZzMXBxWkdjcjQ1MXdiakFGSWJlTk5LbGdCSHRqZHVBN094c0JUdkVHanZrUkt0NUdnaVlPRFRoRUJkM1BGc21TdUJZenlMandkcXlZdzBNM2VRNzNZbVR6aXRyRlpxMkYzTFp2eTZUQjhWR0l6NzRPMmxJT3ZPOWdkdUJqTzVEcjgyaTl3akxhVkdLdVUyV2dMOVdfVTBCZTFKNWxxU29SSV9wT0hQWHp1V25Lc2ctZ3lHWFdCdmxyaTlTUWE4TzRheUpueGdWTkpGYTlHMXExdUdGanFjcHdWTmFORnA2bDd3?oc=5) · GlobeNewswire
- 2019-05-01 [Colony Bankcorp, Inc. Completes Previously Announced Acquisitions of LBC Bancshares, Inc. and PFB Mortgage - GlobeNewswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxOLVRIQk9jUmJ1cFVMeHhZR28zY0FteG9jYXNEYzFoZHJtRE4zRmpUcDV5UVhoSEwtOEcxaW5NOTRDTkR4bmtDYkw2MFBKRXJPTWZ2SmdpdGw2aGdtWXIyek02azJkQjV5OHZPS0daN1JjQTdoVVJaTlc1MTBkSzJHbF9rLVdEczM5VGw0Q003MWljMXBaSGpfWndpUkptT0kzU1lqWDZPS20wZXZEdmR5aGlabDY3Rm5WRlVCdFZ0ZFR2TjhHOFQta2VHYUtuMndMaVdSVEhueUNENmFoNVBnY20yQ3lWVGJiV2xIa3FJWEpPYWs3dkw2ZUxfbDI5UTA5R1kwTw?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58670 (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/46.json (key "58670", 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