# BANK OF DAWSON
DAWSON, GA · FDIC certificate 876 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $159.9M | |
| Deposits | $132.0M | |
| Loans and leases | $101.5M | |
| Total equity | $26.1M | |
| Loans / deposits | 75.64% (p54 of band) | 73.59% |
| Liquid assets / assets | 32.57% (p50 of band) | |
| Uninsured deposits / deposits | 26.89% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.15% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -12.39% (p35 of band) | -6.57% |
| AOCI / equity | -0.45% (p47 of band) | |
| ROA (annualized) | 2.22% (p90 of band) | 1.17% |
| Net interest margin | 4.68% (p82 of band) | 3.93% |
| Efficiency ratio | 50.04% (p14 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 730.53% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 15.54% (p47 of band) | |
| Auto loans | $1.6M (1.55% of loans; DQ 6.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 21 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | deposits shrinking |  |
| 2014-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 3 |  | uninsured deposits leaving |
| 2015-06 | 4 | noncurrent p90, uninsured deposits leaving | assets shrinking |
| 2015-09 | 3 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2015-12 | 1 |  | deposits shrinking, charge-offs p90 |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity, charge-offs p90 |  |
| 2022-12 | 5 | noncurrent p90, reserve under noncurrent, assets shrinking | charge-offs p90 |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  | noncurrent p90, reserve under noncurrent, assets shrinking, deposits shrinking |
| 2023-09 | 3 | securities losses >30% of equity, charge-offs p90, reserve under noncurrent |  |
| 2023-12 | 3 | noncurrent p90 | securities losses >30% of equity |
| 2024-03 | 3 | capital falling | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | charge-offs p90 | capital falling |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2026-06 | 0 |  |  |

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

- 2022-01-27 [Debra Rainey Sams Obituary Jan 27, 2022 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1DdmY4Z1lUZG1FQ1BKQ0Z1R0FUbEltZVNqSmd1UXdSOGZsdGJDNXExLXRaeUp1Y1dveGZodDVGWTZhWHZVSTNreFR2R3BwbHhKX3hvQ1BTendJVXhpRldIUFJTbGJCYm8?oc=5) · Mathews Funeral Home
- 2018-07-30 [James G. Raines Obituary Obituary - Visitation & Funeral Information - Kimbrell-Stern Funeral Directors](https://news.google.com/rss/articles/CBMie0FVX3lxTE1SNDJPNV9YaWcwWEdseEFGQTVqUzc0cHNVRGp0UGN1WWtVdlZiblVNRTFZakhsWld2RzFMc1UwbndEclJ0LUg5SDRpbndRN1dkQ204Z09RN1Fkd2FiUjJxX1Vwb2ZfYVZXNk1KbmVIdXVmV2RWZ196TVpGYw?oc=5) · Kimbrell-Stern Funeral Directors
- 2025-12-11 [Jack Donald Laing Obituary (2025) - Albany, GA - Mathews Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9YV0x3ajJaRndTdkJ6ZE9jVDV5akFiNDF3cUVPNXZlSVZiSG51b3pQOGprTHM3OVFlc1VxOGotV3l1M0dGWDUwLW1ILWdRMDQzRkpEaGUwYnFZRjl5cDJHcGY4a3FSRElINWdobUZtX1VLTUNuVU41QlhObVF2UQ?oc=5) · legacy.com
- 2025-09-26 [‘He turned into a monster’: Alleged victims of Albany attorney speak out - Albany Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxOc1laa0l5YllRb3ZIaldsMk5YWGp1dVA0NWdkSWZBY1Nuc1RCLTVUSWdQYUZ0THhBbEVSbzV1dURUY3dIekxwZ2VlN1hpTDU1bThZOWxvY1AxSnVyRDVTbTBmRDhMYXNYYUZLQ2J2cDhBQ0VRbmNuQlJmUS1rT3dDV084cUhDV2J1dlRWSkxZM3pTVTJ1SmRVaVVsUk1IQVZNR0E?oc=5) · Albany Herald
- 2021-09-06 [H. Phil Smith Obituary Sep 6, 2021 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE84bl9WTF92LVQ5d1VXdEs4cnI1VTROR0xHS2hBM21BbW91alZpTEJoZDlpdkhMVnhLZVo1eEtoV0JOVjkzOF9vb0xobGhyNlctVHloVDdRb2tSVEJkcHFQTTVKZTNqekRCRmc?oc=5) · Mathews Funeral Home
- 2021-10-12 [Austine Ferguson Obituary Oct 12, 2021 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE1vaFcyUUgyTUMtY3BSZ2YxNE1sWkhpbjkyQUc3eGxya3F2clk4d244ZkVzUDY0NHgwZ1RVZDNjckdUUVQtYTNHcnhMdXZmeU9BTThOd1FlNWMwWE5mejdPa2VJcXVZMTZsVXpiQ1U3WQ?oc=5) · Mathews Funeral Home
- 2021-10-22 [Hubert Moseley Obituary (2004) - Dawson, GA - Athens Banner-Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOclpMOTRlaUZSRTYyZHdXRkFPWHJILWdyU0VlcENibmxZaFhEMzdIWU91SEZfZGYwZy1WSmlvdnNzeEdna3k4Ylh4MjdHaWVXUzA5WDk5RVpVVW43TFJrbFpOTlZlbUEyT1ctcktZSUlhbkJZWWNxajJaVExPR0pLdm9rcm1jN1hFVXl3N0s0MDFheG5S?oc=5) · legacy.com
- 2022-11-10 [Edwina Christie Gill Obituary Nov 10, 2022 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1hZDJWb1BaRWE1ZFphcXpEaDF3R1NRdlFSYkRhbGg0RVZmMk42RmhYdFRqLVpSVHZQMExkNG1HRHc3MldvUXQ5dER4T0RkRVllWDRDUFUwcUJPUENoazBBQVF5T1JNV05u?oc=5) · Mathews Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=876 (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/44.json (key "876", 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