# TANDEM BANK
TUCKER, GA · FDIC certificate 59178 · asset band $300M-1B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $315.7M | |
| Deposits | $253.0M | |
| Loans and leases | $226.1M | |
| Total equity | $37.5M | |
| Loans / deposits | 88.24% (p68 of band) | 80.78% |
| Liquid assets / assets | 26.27% (p51 of band) | |
| Uninsured deposits / deposits | 30.53% (p68 of band) | 25.87% |
| Brokered deposits | 3.48% | |
| Wholesale funding | 10.77% (p80 of band) | |
| FHLB advances / assets | 7.29% | |
| Tier 1 leverage | 11.98% (p71 of band) | 10.64% |
| Unrealized securities loss / equity | -1.51% (p81 of band) | -8.46% |
| AOCI / equity | 0.10% (p92 of band) | |
| ROA (annualized) | 1.00% (p35 of band) | 1.22% |
| Net interest margin | 3.99% (p58 of band) | 3.83% |
| Efficiency ratio | 64.93% (p58 of band) | |
| Noncurrent loans | 0.24% (p38 of band) | 0.42% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 516.82% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 73.38% (p72 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 | 15.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-09 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | loans exceed deposits, capital falling | NIM <2.5% |
| 2020-06 | 6 | brokered >10%, wholesale funding >15% |  |
| 2020-09 | 5 |  | wholesale funding >15% |
| 2020-12 | 4 |  | loans exceed deposits |
| 2021-03 | 3 |  | brokered >10% |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 1 |  | losing money, expense ratio p90, charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | loans exceed deposits, construction >100% equity, uninsured deposits leaving |  |
| 2023-09 | 2 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 0 |  | construction >100% equity, capital falling, charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | construction >100% equity |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |

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

- 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
- 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
- 2019-09-17 [New local bank, Georgia’s first in over 10 years, opening in DeKalb - AJC.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxOT0FmYmxlWXNoeGg5dEVkY0ZXUEZubzdFa3pVSlZieVVzWkdEazk1ZWJLMDdKVXFLV0pKSkNQSzVLS0t5MDNmUnFDZFV3VE5JLXlPelhZSmdTLWhwLTZpcTMtdHZ3SnF0ZXVpT1lhSHZqNVp2emZGTi03UUZNcmpCUktBbnVRWGNfVzJhck55dVg4bGp0Wnk1NklBNVYxUG5iUGI0Z0pFVk5wX3ZWSWc?oc=5) · AJC.com
- 2019-11-26 [Tucker bank first to open in Georgia in 11 years - The Champion Newspaper](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWWFoVmlFX2lPNnhmdmpkaTFWNDdIV2k0YlVPZm1QMF8wUHFpb0tvSGFYdUhQUm5Nczd1Zll1VF9OLVk3MTNVaE9TYTVRR3VqTE1QUERFbEZ4TkUxTy1vM3NhMXEySEE4SVdUZDNMaDZFaTF0Rkg3Q3lONVRBVzM2NDA4TmgxbmxadkE?oc=5) · The Champion Newspaper
- 2026-06-01 [Georgia Banking Company completes $77.7M private placement led by Fortress - Dealroom](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcG9RenFZdFJoNExGcFV6YURKQ0l6YWtpbjRIMEtaZG5PQUhvRzMzcFVXVFRrRnlLQ2swMUpWQUJqeS15QXNNakZPVDVhT1lXODJMYXg3VjJ5bXBMLUkxX0VmY243LTRDbGlYYVJKM0tOekt6X3lNZTlucHBIQ1pQOFZkWVJvaHBsZW5BUzJwZ3FiYmxaZzlWUzRWQ3NjTmdIa0VnSU5JZ3dkX3c?oc=5) · Dealroom
- 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
- 2026-06-26 [Second-largest community bank in Georgia raises $77M to fuel expansion plans - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxORS1qQW5uZm5uSDVYZzlSSDJnSEhNdlNOZElBay1fcHRKTzJkVWZtZ25EdGVHd1l1ZjFGSEgxZENFazJTQVkxZ0w4WkZtTVBhcGNJUVE4Yk9lVzFCc2pDUm8zLW8waU1nWWdLMy13UzNNaFdPRVAtNnhkUG5Kb0VSMVoxMTlscHJ0MlZwaEdvR3JWMGRPMnNTbXpES1U5X092OWc?oc=5) · The Business Journals
- 2018-12-26 [Update: Georgia could see its next application to form a new bank filed in January - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPaVNOcllEdnVPeHhvaUtJbGE3MEgydVhVV0JKVTZDUUVXVnpxaGNPMTdWcFBPcFRwZlprRUt0SXYyVTMwclpvR0M0d0xDbkhULVRxNlZ1UWZvYXhCUjNGa3pKOVVKQUZ1R2VfazVqVi02bVFjSnpsXzQ2NXQ5bXU3VHBOVzdSdEFXQVc0em5IYmlfWFNFYm00MVJGR04wbng1LVlCbUVWQmh3dw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59178 (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/42.json (key "59178", 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