# BANK OF DUDLEY
DUDLEY, GA · FDIC certificate 9068 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $537.9M | |
| Deposits | $486.8M | |
| Loans and leases | $369.4M | |
| Total equity | $48.9M | |
| Loans / deposits | 74.86% (p35 of band) | 82.04% |
| Liquid assets / assets | 27.52% (p58 of band) | |
| Uninsured deposits / deposits | 31.61% (p71 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.62% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -4.42% (p66 of band) | -8.10% |
| AOCI / equity | -0.93% (p25 of band) | |
| ROA (annualized) | 0.97% (p30 of band) | 1.28% |
| Net interest margin | 4.42% (p78 of band) | 3.91% |
| Efficiency ratio | 67.46% (p67 of band) | |
| Noncurrent loans | 0.12% (p25 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 1099.56% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 103.18% (p88 of band) | |
| Auto loans | $5.7M (1.55% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.9% | |
| Employees | 93 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-06 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2012-09 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 2 | capital falling | deposits shrinking |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 0 |  | reserve under noncurrent, capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | construction >100% equity |  |

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

- 2023-02-21 [US Department of Labor recovers $20K for employee illegally terminated by Bank of Dudley’s violations of medical leave protections - U.S. Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAxQURWTzgwYVBDMUFHQTk0NkE3bC1MWG51Tmhua3ZXZkNNUDlrYkxpNHhldVFEN0FvM0M3OXZ0bFJxa2VZXzZoYVdXbVg1UzhnRVRuejFpYzZ4dzdSYUcwcndJMA?oc=5) · U.S. Department of Labor (.gov)
- 2022-08-23 [Bank of Dudley set to open branch in downtown Forsyth - WGXA](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQlJkdGpKUTRuVUJzczRRQ1lNOVRvcHktMGtXMm9DUmNXd1Q2X01JZHVVQWp4eFV6WkdnelBWTWZIZDF4MjNyN2dMb3Nid2g4UWlhU3lITlcxR0xKMmlabmlqQ3JLVzJTMnhPUjdXcDJWNzd5aUxNNTZzQnYtOXliQmxtSXFmQWpLcjF6Mm8tQ091bVJ4?oc=5) · WGXA
- 2023-07-26 [Bank of Dudley CEO elected to Ga. Bankers Assoc. board - mymcr.net](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNU1dTXzIzSHRqOGgxS3lFeGNVVGJ6NnIySHBuVFZ1UEpxckpVN3FzUXdwSF9YSlNIRWZJZVU5LXBYdUJ3THJGRURUdDVLT3ZhZER1Y3RMWkFoajZ1WEdTcUhZdGk0dEpEekpuTm5ma040c3B4dTZacXpDbHZWMEktakFZejJzcmNvdmpUZElqS054a012YU5yTkg3TE5Ecy1xc2lxaFNjUDAyVlFScjY3cnFyZkdtbElyZ2dJOTFCQy1BZ3hrb2h3WA?oc=5) · mymcr.net
- 2021-05-12 [Dublin banker plans to retire after 61 years in the business - 13WMAZ](https://news.google.com/rss/articles/CBMixAFBVV95cUxQWDlCVXdzM3VNd0s5RlFQUUh0d3FYUF8xUGZRN1A4U2ZPUzdVOTRDSUhQd0czbEw4UTFILTRKRFFjZHZYd3JHT3UxV2FfUTZlUVFSc2REa2JTTG12QU43c00tTmFBMW9GajZjd0d4eXRVdVRYOE9ub1VhNFkyTWpEbkxjOW5hSDAtVHJQdHlHa3lhdXVuRU5NeHcyT3NSUVRwcUNxTFRBS1FwUUk2bXBzMGpXOTNYT3B3b2lLeHdTdHdfT0Nx?oc=5) · 13WMAZ
- 2025-04-11 [DDA has UGA artists paint new mural downtown - Courier Herald Today](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcFRfNksyZTRWMXVLUkNGYTNKWUUwdWsyc1ZLcG1UZHlZREJ0SHVydS1xM0trS1BHZVZhVzh0ekJ6eFNleFVXcnpTT0hGSlZ6N3B5VnJxbjNlTnZFVVoxSXd3aUFLTzE1RXNEWEpFSkFVTGFtTXRQMXM0R080UC1jOE1R?oc=5) · Courier Herald Today
- 2024-02-26 [Glenn Thomas Warren Obituary (2024) - Dublin, GA - Townsend Brothers Funeral Home - Dublin - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQSXlJUjloRG5uSU1kck5QNEswdC1POUxoY0EwTlotaGNOOWdPMHRyQWRCYmZCOUNyTm9nbmh0SEYzT19ZemlVUm9iMG16Vk5wR2Z6V1BBQ3ZDbHJhTjhHU2VBQk41bFZ5cG81WExfYjgzcW5ZeXltZndWRkdINF85Zg?oc=5) · legacy.com
- 2026-09-02 [Leadership Monroe Class kicks off 2026 - mymcr.net](https://news.google.com/rss/articles/CBMitgFBVV95cUxOeUVpTUlGZktlaXFkQXJGemZ2TUhmTUtVQ2J4UVBFZ0pubEtNMGptbmZ2ZGpyRDExQkp0bUNMZnFEYjR5MEQwUVVZQ25MdnBnUG9tU2ZwTFB3d3hIV1pNYjhNVGs2eTdPQThmVEVyelJrcktGS0xnTVYxSTMtZ0tEWkVCVW01bE9Sc2NBaDF5bFlJVmlGcTVLSkdVc1R0RmlGMjBCeGNUcHk5aXBReW5zbG5zcUxUQQ?oc=5) · mymcr.net
- 2007-07-18 [Johnny Howard Obituary (2007) - Dudley, GA - The Telegraph - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQcFdGU29DRk9XdExDd2lJU0RycDRJRHdpLTFIRVk4Q0x5RlNyVXZJM0xDZlpQYkZ2QURGRzc4YWtPdjhDbU9RMmNETWdDN2E1ajZXNF9Jd2FzWHFsMnZsdE4yZVctalpvQmoxckNldkEzNHNTNWxPRkY4TGh4UXdNS3RxeFd5bEpuMlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9068 (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 "9068", 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