# RESURGENS BANK
TUCKER, GA · FDIC certificate 58750 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $163.3M | |
| Deposits | $133.6M | |
| Loans and leases | $135.3M | |
| Total equity | $19.1M | |
| Loans / deposits | 99.94% (p90 of band) | 75.51% |
| Liquid assets / assets | 14.52% (p13 of band) | |
| Uninsured deposits / deposits | 18.45% (p66 of band) | 14.70% |
| Brokered deposits | 3.70% | |
| Wholesale funding | 9.82% (p83 of band) | |
| FHLB advances / assets | 6.12% | |
| Tier 1 leverage | 11.41% (p58 of band) | 10.91% |
| Unrealized securities loss / equity | -0.10% (p33 of band) | 0.10% |
| AOCI / equity | 0.28% (p32 of band) | |
| ROA (annualized) | 1.58% (p86 of band) | 0.87% |
| Net interest margin | 4.54% (p90 of band) | 3.67% |
| Efficiency ratio | 66.56% (p38 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.61% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 130.12% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | losing money, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, construction >100% equity |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | loans exceed deposits | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | loans exceed deposits |
| 2017-06 | 1 |  | capital falling |

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

- 2022-08-10 [CEO of Tandem Bank in Tucker joins Georgia Bankers Association board - decaturish.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPRHFnOUoweEd6Sjg3bWI3N0JQWTMyVXFGZE1ERTdNb0RBSHRYLTkzSGM4Z3gyV1djbVpqSVFaalRSbVJLN3Vkc2doTkdIWW5Ea3I5VnMxOEhJemJ0UG0tM0x2dXlCMzBBY2k3Y0YwU3E3cHdSMGtVbUVaazI3M3kwSFlpdUU1Ry1MNGRFTTc5SWVfdU1GZkRWeHVQTXF5NlQ0bGxOb1VicENBNG5IaEJjT3dqZl9PUjhJWExNQnZKSnZDaWVvaVVpQlc0ZlBHeGM4bDdJWlBIeGZLNzNFaHFpSnd0d0RJaG8xRnE5dFF3?oc=5) · decaturish.com
- 2025-08-13 [Georgia's youngest bank raises $12 million in debt sale to fuel expansion - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMkRPdG0xM3Q1c19pYm5PUFR2MlBVR190Rks3Tk1SZ0VJdmVUSTlYZjBKblVZVFN2ckFlLW9BSU1BUjN5Yk8wTV9oMl9zbmJ2cUtEM09FeHhRdTNNWWxRU196NlRpd2lZcE9pYmlMdElnVVpDOGNOZ3BPQW1pek5JT2psaHlrM0h1Q3Y1S1dOQkthUQ?oc=5) · The Business Journals
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2019-05-02 [Georgia agency OK's first new traditional community bank in more than 10 years - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMnJjTHRaTlU5QV9Dc0VfQ1U1QzN2NFVKcUYyTlVaX0huRFRDZnpobGZoVUQycWh1WnNFQ3paSmJuQWttQk15VnE4RkNhVVNFb29GRFhvd3pmSndYTEc5VzBlcUpNZWk1WklyXzBJNzNpNUFQNFZGSjlHbkpvS0dzZWtCbWhmaGZJY0pncFJzMzN2dDhFRXNuamhkNWM4bU9wMFJmZV9rNXJaNHc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58750 (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/62.json (key "58750", 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