# FIRST LANDMARK BANK
MARIETTA, GA · FDIC certificate 58705 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $589.1M | |
| Deposits | $470.0M | |
| Loans and leases | $468.6M | |
| Total equity | $71.2M | |
| Loans / deposits | 98.61% (p80 of band) | 86.00% |
| Liquid assets / assets | 16.54% (p30 of band) | |
| Uninsured deposits / deposits | 35.99% (p86 of band) | 21.20% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.58% (p60 of band) | |
| FHLB advances / assets | 6.79% | |
| Tier 1 leverage | 11.17% (p65 of band) | 10.47% |
| Unrealized securities loss / equity | -2.46% (p52 of band) | -2.60% |
| AOCI / equity | -1.12% (p57 of band) | |
| ROA (annualized) | 0.71% (p20 of band) | 1.09% |
| Net interest margin | 4.34% (p84 of band) | 3.71% |
| Efficiency ratio | 64.66% (p44 of band) | |
| Noncurrent loans | 0.04% (p11 of band) | 0.52% |
| Net charge-offs (annualized) | 0.69% (p98 of band) | |
| Reserve coverage of noncurrent | 2526.47% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 115.23% (p94 of band) | |
| Auto loans | $10,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 87 | |

## 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 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | construction >100% equity |  |
| 2017-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2018-03 | 3 | loans exceed deposits |  |
| 2018-06 | 2 |  | loans exceed deposits |

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

- 2018-04-25 [National Bank of Commerce acquires Marietta bank, creating $4B institution - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOR1JDRHo4em5iRHpBWUkwUzYzVGNrcEZKRE1TRUNScG9uWXhpZS1uTjJkeXpMYmJuTk1MaXo2M2llXy1sSWxOX3J4aWprV3dhUEJ5b0VHYVItcjJYbk0zOWwwTXRwTFhSbDJvZ2NfZ2pPRGZ0dkpkMXZwa05peDh2OHVGRThtNEtpdFU0OGkxRXFhUU1LTzMxMXU3b2JiVDlIQmVzTk5ZbzE?oc=5) · The Business Journals
- 2017-08-08 [James Petty joins First Landmark Bank - appenmedia.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPWkpVVlZkT3Z3TnBsT3VLb0xieFl2eDBsdGlKXzRRdmlCWU1TWHVTUXpFVUVEcGh5VC00cHRiVW50b0dsdGhrYUE1S2RQNm82U2ZQcEEzdUsybE14T3p5akFfa2hOZGRxV1FpSEk0ZVl5d1pLU3ZZWGh0LVZnQXA5a1dRQmZaNzN1czNmUDlYSUNhc1Z3Y1lxc21LMXItWUl2UHc3blhXYTVBN1Fia2VQS01vT2ROTWZ6TWV4dFczMHM?oc=5) · appenmedia.com
- 2021-11-15 [Pinnacle Opens Full-service Office in Buckhead - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU3dXeURjRHFrRWFqazVLeG1peEwyWUlIem1PUFBITmwtOXdrejRGN1hvZjlCMHhKX2NVOTVXRGN3NFVzRkt1Y2FyNndLR05SNDY5OERQeVIzRzJlV2N2NkR2MnNPRnRvZFcyT0RnZEZXUTcxaEF1Z0dmbW9nWm45b1Fsa3pScnZxQURV?oc=5) · Pinnacle Financial Partners
- 2018-08-01 [National Commerce Corporation Announces Closing of Merger with Landmark Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPSzJaYmZ1OXU4c2p6cW15djhJOWg1RU5qUFNlcjVIYnV4ekdFdm96OWQ3bTJEenZXXzhXYWZOQ0xmcGhvRkNhaXlPZjAyWE5kUnBqNWlvdXNVRnRVTDR2dWItWC1ackFVMm95YzBrdVI1TmJORjlCSERZalo3ekxZNTFIVWM5SlRuYktHbmhicHdTMURiUkZPQ01wVU8tR2hUVGtnenE5OUpjU2RCX0FuNzJZdEREUFlsYW9weXRUbFhnR0xkbUJBNHlqV1cyb282UkVkc25tMC1PdzNvY3dMMUN3N3g1SVZnRUE4SmI3Y0pzaG5a?oc=5) · GlobeNewswire
- 2018-06-15 [Fifth Third Bank sets Atlanta expansion in motion - SaportaReport](https://news.google.com/rss/articles/CBMisAFBVV95cUxOSVh6clBMSFRQZWVpaU1VUjMwUV9zcVNCY2dEeGFpVFVDYWZYR3FvS0YtYzdldTFTUFBISjNWeFJOREktSXNxczdfY2RBbzBIcWM3LXZva3lJMXZtTHZEUHkwMXBFR2xYaUw5SlZ1TVRzYmZWZU50NUFQcXdJTDQ4bVdyaUZ4WXluNi1TSnFISlZ2eTItMlRUSldyME1Zalh3TXYybzNCd1FNVW53VzNfWg?oc=5) · SaportaReport
- 2013-09-10 [Cobb’s Financial Institutions - Marietta.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9MMTRJbWdlSnY5aDI5dnpfM0twN0t5WXRrLVFmVElWM0E1cTZmcWcyN25lbEpVUE9KbFRqWGx6blhRT1pkdWxzVXh1WlRWa05xR29DZGxhSFpnMERpa1h4Ti0tdw?oc=5) · Marietta.com
- 2021-10-09 [Ronald FRANCIS Obituary (2015) - Marietta, GA - Atlanta Journal-Constitution - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOelZtRk04Z3luMEdOSm1xcGJzck9EZ0FjSmVzYzVLRWd4MVVVQ0hXVjJHUldhT2ZVRkV6am54UFNfWkdaamFtWHE4WTNmM09ZUTB2cDl0MW9tSTZhc3pDNlJ4YlBieFNGdUVhOHVuOTdJb1FHZGRJcTg4b0lXWllWYVV4T0MzWFFxMk1hbXdB?oc=5) · legacy.com
- 2018-06-06 [Multiple home tours planned this holiday season in Atlanta area - AJC.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNnpoMTNqeUNORmtrdHhOclgtSGIyRE1IRWFuV3hvT3RRaVltNEIwZktPMkotbGtabG1TU3Y3NllUNW9OZTgwVTAwc2k0NHpEVUdYN1FGTHlkQ2VFYUNCLTFXSzY2MDRRTGRvcWNiVlJPdmVvVXdRalk4RUhkZlMzY0ZnZVpOSkpVYTZKSnVka3RrSG9ONHY0Uk1LXzZMY1J6eVpsaFRFeFNjU2FfdDRscF9lSHc?oc=5) · AJC.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58705 (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/17.json (key "58705", 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