# BANK OF PERRY
PERRY, GA · FDIC certificate 8480 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $116.4M | |
| Deposits | $98.7M | |
| Loans and leases | $88.8M | |
| Total equity | $8.0M | |
| Loans / deposits | 88.88% (p81 of band) | 71.50% |
| Liquid assets / assets | 17.85% (p15 of band) | |
| Uninsured deposits / deposits | 8.61% (p28 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.24% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.18% (p4 of band) | 10.45% |
| Unrealized securities loss / equity | -5.45% (p3 of band) | 0.49% |
| AOCI / equity | 5.13% (p79 of band) | |
| ROA (annualized) | -0.13% (p7 of band) | 0.81% |
| Net interest margin | 4.19% (p78 of band) | 3.66% |
| Efficiency ratio | 86.55% (p79 of band) | |
| Noncurrent loans | 15.81% (p100 of band) | 0.76% |
| Net charge-offs (annualized) | 0.96% (p98 of band) | |
| Reserve coverage of noncurrent | 7.69% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 184.73% (p99 of band) | |
| Auto loans | $583,000 (0.66% of loans; DQ 0.86%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | deposits shrinking |  |
| 2012-06 | 6 | assets shrinking |  |
| 2012-09 | 5 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2012-12 | 9 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 4 |  | charge-offs p90, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 3 |  | leverage <7% |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | charge-offs p90 |  |
| 2014-03 | 6 | losing money, uninsured deposits leaving |  |
| 2014-06 | 8 | leverage <7%, capital falling |  |
| 2014-09 | 6 |  | uninsured deposits leaving, capital falling |
| 2014-12 | 6 | uninsured deposits leaving | leverage <7% |

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

- 2022-11-16 [Robins Financial Credit Union Acquires Persons Banking Company - Emanuel County Live](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQRXozMTk0M1g3TWtVZEJvVjNxMHlIWDNkRGRZdGZYcTR4THNoaEhWVzNfbWVTZXF3NnVBMWIyd0swNGRhWjRFZTZfa1VXN1RWc0pTalctWWd3WHVjMDhmTUhmTmJYSFpRWWNYSlZzckxieU95ZXlYQjdfNGR3eFhfWE5EQVVndzZwQjRldGM3NDFBMkVuN2Fxdi12d1V1WVJIMUhabndmS05oQQ?oc=5) · Emanuel County Live
- 2014-08-07 [Richard Roughton Obituary (2014) - Perry, GA - Watson-Hunt Funeral Home - Perry - PennLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOOU4wQmtUZTZ4eVdIV0dzT19iUnByMEdKQjluaThaWWlXbkVwVDZVSGhxWTR1S1haTXlkRjc5Q0NuZk03SjdHUFllZDV2M0ZEdVI5ZHU2SFVpX2FaTHJuLW9hRnYtM0d2NldvUzJqZzVjR2NJdG1OUDRLc2Vkb25LY0w4OGFmUXlLa1NPQ0VvSjhJeFJJTmk4ag?oc=5) · PennLive.com
- 2024-02-09 [Jimmy Stubbs Obituary (2024) - Perry, GA - Watson-Hunt Funeral Home - Perry - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYU5HSU9NaFoxYzlDeEN4ZlBOd2FFWlNoblZaa3dvQXRBUmhmWnJyVkhXMkxlemdaMHRKQ0pFem43RTZJMnVGSXo1NHlNbU9JRnhuMDM0YXhOZW55V2JnRUNVbHpHa0RZRlpGcGY5dWtoQVJRTkhmWkdNUk9Cc2cxeA?oc=5) · legacy.com
- 2018-02-25 [Centennial students win honors at fair’s Youth Art Contest - AJC.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPT1hpWDRZdTk5MzZUckFoaVZ2blBqbTdvejZoY1E3UVZuU1A0bGQ4ZG9SSTc1ejNiLWgzRndFOXhxQnRQVDFjYUs4SVFQd2FxcUxISXZkeHVyS2tpeEdDUEh4V0Y0NXRrMzU4VDZ3Wkk4NDVKbkZoVEVtWURlMW5YSERFdWZpSWI5YlF2VGx2YjZOQTdKbnVSY1d0TS1aTHpfSmNtY2E3UzZaRTlxTS1WYnZhVWZ6ZFc4dFE?oc=5) · AJC.com
- 2016-05-31 [Sue Fleming Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBYVnNPU3RwRG9DS1Z3bC0yRlB1U2hPVHdvTGcxeC1wZndublFVMzB4bmlEZl9tc21ZZlBiU252YnlHeE96eS1rZEtrT2pBM3c5OHIyUi1UWTZfYUN3dElrNUdfckV4X1F5YmFuYm05Z2FxMDRvNTVEbHc2bUdNQzA?oc=5) · Dignity Memorial
- 2022-07-11 [Al Lasseter Obituary (1943 - 2022) - Perry, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNNnQ5dmFpUW1fa3g0VEZRM24tLU1JdklmWExUS3BEOER3NmtEam9pWWpCR2I4NlE1X3ZRakRJSkVKYXJ6SThNV01pbEdjclEyb1E5STZuWDN1emF6OWF2eGlhNFVMcjd3NGphOEZnRFUxa0JoTTFROElnWlFEMEI0aUtKOTN4RTA?oc=5) · legacy.com
- 2025-07-09 [Lewis Meeks Obituary (2025) - Perry, GA - Watson-Hunt Funeral Home - Perry - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9Cbmg4QUxmOVN0N01nb3l3VU43ckltdmdsVHh5RVZhU21Za04tQVA2cVg2bHBwYldiakJ2MW5oTGFMSGFlYUc2YTBoN2JzVVp1UklUaTFpaUZnT1pTcFRHRWxxRlJYR21GQmdSQ0R5N0NVSkxta1hKRTQyTXBMQzg?oc=5) · legacy.com
- 2013-09-24 [Harold Jennings Obituary (2013) - Perry, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQVEtV2ctN1VFMUkzWU9GcEdtY2Q5WTMxT1Y2Wl9XN0NfeWVRdnVfbWFodDlMNVJrQkVHanJxN0J6b1BnWUhmdEZ4d05Rb2lWOEh5aHVYUkZZSy10eFpydm96VWxJejRTQlFZckVtQlNkUnBqUk9sMTZUYURWbG9NQXpzcDZoNVZubHBaVw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8480 (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/32.json (key "8480", 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