# BANK OF ANGUILLA
ANGUILLA, MS · FDIC certificate 8243 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $192.2M | |
| Deposits | $158.3M | |
| Loans and leases | $93.9M | |
| Total equity | $29.6M | |
| Loans / deposits | 57.85% (p27 of band) | 73.59% |
| Liquid assets / assets | 41.10% (p65 of band) | |
| Uninsured deposits / deposits | 35.43% (p89 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.67% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -8.88% (p43 of band) | -6.57% |
| AOCI / equity | -1.29% (p21 of band) | |
| ROA (annualized) | 1.15% (p49 of band) | 1.17% |
| Net interest margin | 4.02% (p56 of band) | 3.93% |
| Efficiency ratio | 59.98% (p35 of band) | |
| Noncurrent loans | 2.66% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p77 of band) | |
| Reserve coverage of noncurrent | 92.56% | |
| Real estate % of loans | 28% | |
| Construction % of loans | 0.21% (p18 of band) | |
| Auto loans | $1.7M (1.76% of loans; DQ 4.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2012-12 | 2 | capital falling, reserve under noncurrent | assets shrinking |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 1 | charge-offs p90 | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | charge-offs p90 |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 | noncurrent p90 | capital falling, charge-offs p90 |
| 2017-06 | 1 |  | noncurrent p90 |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2019-12 | 6 | charge-offs p90, assets shrinking |  |
| 2020-03 | 3 |  | capital falling, charge-offs p90, assets shrinking |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | deposits shrinking, assets shrinking |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2025-03 | 3 | capital falling | deposits shrinking |
| 2025-06 | 3 | charge-offs p90 | capital falling |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2022-03-11 [Bank of Anguilla - Delta Business Journal](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBjX2VaYlQyQTI4RXktZ2ZZbW1RT0RsbjltRTRFWUxQNlk2Q0NhLVg2NkNLSTNxMFMtckwyV2VIVkd3Vm9RUEV6QnY2cEIwYlRkTHprWGRacXBORHVPcW9r?oc=5) · Delta Business Journal
- 2025-11-07 [Mississippi Communities Provide Food Aid as Residents Struggle Amid SNAP Uncertainty - Mississippi Free Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxQX3Nqd29QOEFKUjcxOVl4VTlRRlNXc214a0R1N3FJM0x2TzNEY1hVRGJFTmt2VHJ1MWVIckhJOFplR2pYUUUtdU95MHpxTE94UVd6OEJsT1dlQzJOQTVSTjd0RXBCMmRrN21rWGUtNW1HS3RvN3BWWTFhanRlRnJKbHdxRjh1RjlOR0ZONzRQS2FTUXhRSTY4YUI0S2VCbl9JQlluV2h1aTc3TDlFcjNQODRxUVZiM2k3VlFSelZVNA?oc=5) · Mississippi Free Press
- 2024-04-12 [Two Federal Home Loan Bank of Dallas Members Recognized for Community Investment Commitments - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOaUtiT0xiX3RNOVlXR2RheHMxbGQ5OHl0czE0RVlFZVF6Q3c0RlVQVHhYQklOeTVRWHRXMS11MXh5Rk80MlBYMTdzU2lMVUNiMTJiT3BYejlubzRPZEpXamRBMTBWQ3hPRG9BVUVrWGdkbUloOWF1ekM4SXd3OTJYakQyekRNVEhwd29iVHlOVTlURWsyUlNES3NkVmpncGJsazhKSzFic0kxWDhNM05zY0JFRVQtdTUwcFJBQWRScjBJakpfcmwxLWFJVXJBRkJqRlROZ3g5OUcxUVhIaVpNdlM0WQ?oc=5) · Business Wire
- 2026-06-02 [Magnolia Mornings: June 2, 2026 - Magnolia Tribune](https://news.google.com/rss/articles/CBMieEFVX3lxTFA2UjFHTlQ4SXBLaEtxdExUOTdjTXkyYVhRQ1p4bTlEajU0TENRNDdESUJOWUVzSW5lN19jN0tiU25YMG1ldVR6M1p5aXF3UEtmVE9hRlB2STF5Z01PZlFQVHl1aDlaNUFla1lJcnpwVjN3c3RlcFY4NA?oc=5) · Magnolia Tribune
- 2024-03-23 [A year after Rolling Fork tornado, town is still digging out. See how recovery is going - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQV3Jza2VWMm9fWTVfSlcyc09uZGNDM1Nma3drTjRWaEIzS3BzWGI3ZDFIMGNWT21kYmk5S0ZTRGhPVFlVWUdNQmNfMmYyV1dQdmxwM0NXdGlwLTg2MjJ2VFFTTGw0SGQwR1kwWWE3YWpsRHlpbDJ2b2EwYU1MbHFvbXlNVEFTTzVwZWsyODR1Nk5OMC1MYVFOcGx2U3B6ai1rbEJXdmlkaVVtSmxiNk1YaUM2UkREWWhs?oc=5) · The Clarion-Ledger
- 2020-08-02 [Paul Hollis New Delta Council President to focus on Flood Control - Delta Business Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxPRk9vSy1TRVJtZGtjOUl4a1VFQUduQnNkTW1HOXpCbGpBWlRQd1pUSlpnWGp4a2tBYWFpTTlrR2xta1R5RzRpd01xUlBYMTJpUkxmcV9STVJLYm9VOHZUSjYxMmxmM1BQX3owNzdYckV0S2FzUGtrSU5rbnNqR1p3RnVUdUFYdTZwMlgzdkg5QkJKa0lZbEFZSFAzRm5KYXVF?oc=5) · Delta Business Journal
- 2023-04-05 [Mississippi tornado relief efforts: How you can help - Magnolia Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeW9xdHAzR0tvQ19VempfblRoczVTYTc4ckhKbDVqaVdydFRKV3ZfY3NnaXRUTm01a3FnUVN3RS1oa1BxNkFlLVFWeW5tNXFqa2w0aVB6ZnM4UG55S2xLajVndnVZZEduMHZtSVcyWmg4OW5YTXY0cE44bFo3ekh4OXE2TjlIZ00tZWM4WVpucW9fUHZFRGc?oc=5) · Magnolia Tribune
- 2021-09-25 [Rives Calloway Carter - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9oSEZOT0J4RGFudldHU0FkWkdKcjJONDNaUlQ4NGdXN2NCd281dWZJbl9ZVXozZ2hzbVM2MUNDNVVuVlZpVTZGSDY2LUZ2Q0psZVltODJlZndVTjhxalQ0?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8243 (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/51.json (key "8243", 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