# BRAND BANKING CO
LAWRENCEVILLE, GA · FDIC certificate 878 · asset band $1-10B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $2.24B | |
| Deposits | $1.81B | |
| Loans and leases | $1.80B | |
| Total equity | $225.3M | |
| Loans / deposits | 98.64% (p74 of band) | 90.60% |
| Liquid assets / assets | 14.55% (p25 of band) | |
| Uninsured deposits / deposits | 35.80% (p73 of band) | 26.16% |
| Brokered deposits | 6.36% | |
| Wholesale funding | 14.72% (p72 of band) | |
| FHLB advances / assets | 6.69% | |
| Tier 1 leverage | 9.62% (p39 of band) | 10.10% |
| Unrealized securities loss / equity | -3.19% (p45 of band) | -2.78% |
| AOCI / equity | -1.27% (p50 of band) | |
| ROA (annualized) | -0.36% (p1 of band) | 1.18% |
| Net interest margin | 4.92% (p96 of band) | 3.62% |
| Efficiency ratio | 97.49% (p99 of band) | |
| Noncurrent loans | 0.31% (p31 of band) | 0.46% |
| Net charge-offs (annualized) | 0.81% (p98 of band) | |
| Reserve coverage of noncurrent | 281.46% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 70.91% (p78 of band) | |
| Auto loans | $186.6M (10.38% of loans; DQ 1.21%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 469 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 11 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  | brokered >10%, leverage <7%, leverage <5%, losing money |
| 2011-09 | 5 |  | wholesale funding >15% |
| 2011-12 | 6 | losing money, charge-offs p90 | NIM <2.5% |
| 2012-03 | 6 | wholesale funding >15% | charge-offs p90 |
| 2012-06 | 7 | charge-offs p90 |  |
| 2012-09 | 7 | capital falling | wholesale funding >15% |
| 2012-12 | 6 |  | capital falling |
| 2013-03 | 5 |  | charge-offs p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 6 | charge-offs p90 |  |
| 2014-03 | 5 |  | losing money |
| 2014-06 | 4 |  | expense ratio p90 |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | loans exceed deposits |  |
| 2015-03 | 4 |  | loans exceed deposits |
| 2015-06 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 4 | capital falling | charge-offs p90, loans exceed deposits, liquid assets <10% |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 6 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2016-09 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2016-12 | 6 | capital falling, expense ratio p90 |  |
| 2017-03 | 3 |  | charge-offs p90, capital falling, expense ratio p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 5 | loans exceed deposits, deposits shrinking |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 | wholesale funding >15% | construction >100% equity, deposits shrinking |
| 2018-06 | 3 | losing money, expense ratio p90, charge-offs p90 | noncurrent p90, reserve under noncurrent, loans exceed deposits, wholesale funding >15% |

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

- 2024-10-10 [Georgia Banking Co. agrees to buy Georgia Primary Bank for $27 million - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQdXBwb3VaNWM0RElGQ2hralhSREdnaUZHN05qajlPNldtRDd2ZXNiNWtLb3lseGF5U3Q5MEFRMkR6aWRmaHJuOTAtNWNjamJzdnQ4Sk5MNGJWSEkxYkFhSnBTd2wwb2RWaVN3Ui1tR1N3VGkyUE9uQXZIcVJVSER0TXdudHhLaTRIZC1oQjJFbzJ3OVZQMXBGamEwZjJPNGJkLVhjOVlqcGw2dUU?oc=5) · The Business Journals
- 2018-06-15 [Fifth Third Bank sets Atlanta expansion in motion - SaportaReport](https://news.google.com/rss/articles/CBMisAFBVV95cUxOSVh6clBMSFRQZWVpaU1VUjMwUV9zcVNCY2dEeGFpVFVDYWZYR3FvS0YtYzdldTFTUFBISjNWeFJOREktSXNxczdfY2RBbzBIcWM3LXZva3lJMXZtTHZEUHkwMXBFR2xYaUw5SlZ1TVRzYmZWZU50NUFQcXdJTDQ4bVdyaUZ4WXluNi1TSnFISlZ2eTItMlRUSldyME1Zalh3TXYybzNCd1FNVW53VzNfWg?oc=5) · SaportaReport
- 2023-03-21 [Foreclosure sale scheduled for fully leased Alpharetta office building - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZGt1T0xlUkRhZkZRbHJvT3Q2QjF0X0JFRUhFUVVYUGhnMkJSVF9fNVBrN1VfVjlRem5Na0hIV1Q2T1FHQ3NPUTZ1MTVsV0VNNU5EcnJISmJ2SnB1bUhPOEZyN2RZVmtYR3lEQXBvQkFRNEItWWFndjNwc2N4N1ZzcU5XSjhabjVtNHROQnpHSHZ4Z24ySE9CS1Nvakk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=878 (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/46.json (key "878", 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