# CLAYTON BANK&TRUST
KNOXVILLE, TN · FDIC certificate 6104 · asset band $300M-1B · latest filing 2017-06 · 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 | $880.0M | |
| Deposits | $655.6M | |
| Loans and leases | $791.0M | |
| Total equity | $164.1M | |
| Loans / deposits | 117.99% (p98 of band) | 84.48% |
| Liquid assets / assets | 8.05% (p3 of band) | |
| Uninsured deposits / deposits | 30.98% (p79 of band) | 20.77% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 7.53% (p56 of band) | |
| FHLB advances / assets | 6.16% | |
| Tier 1 leverage | 18.50% (p97 of band) | 10.22% |
| Unrealized securities loss / equity | 0.92% (p68 of band) | 0.17% |
| AOCI / equity | 0.15% (p19 of band) | |
| ROA (annualized) | 3.88% (p99 of band) | 0.94% |
| Net interest margin | 5.60% (p98 of band) | 3.62% |
| Efficiency ratio | 30.28% (p1 of band) | |
| Noncurrent loans | 1.29% (p78 of band) | 0.60% |
| Net charge-offs (annualized) | 0.04% (p65 of band) | |
| Reserve coverage of noncurrent | 171.35% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 39.11% (p50 of band) | |
| Auto loans | $21.2M (2.68% of loans; DQ 15.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 | reserve under noncurrent | construction >100% equity |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | loans exceed deposits |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 | noncurrent p90 | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking, loans exceed deposits |
| 2015-03 | 1 | loans exceed deposits | noncurrent p90 |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | liquid assets <10%, capital falling |  |
| 2017-06 | 2 |  | capital falling |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6104 (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/24.json (key "6104", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide