# FIRST BANK OF PIKE
ZEBULON, GA · FDIC certificate 9070 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $87.5M | |
| Deposits | $77.8M | |
| Loans and leases | $54.8M | |
| Total equity | $8.5M | |
| Loans / deposits | 69.21% (p43 of band) | 73.59% |
| Liquid assets / assets | 33.09% (p51 of band) | |
| Uninsured deposits / deposits | 19.03% (p47 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | -4.72% (p58 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 1.30% (p58 of band) | 1.17% |
| Net interest margin | 5.67% (p97 of band) | 3.93% |
| Efficiency ratio | 73.60% (p68 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p83 of band) | |
| Reserve coverage of noncurrent | 206.74% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 54.06% (p81 of band) | |
| Auto loans | $3.0M (5.50% of loans; DQ 6.80%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 22 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-03 | 1 | capital falling | uninsured deposits leaving, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2015-03 | 2 | charge-offs p90 | noncurrent p90, uninsured deposits leaving |
| 2015-06 | 4 | capital falling, noncurrent p90 |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 5 | losing money, expense ratio p90 |  |
| 2016-09 | 4 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 0 |  | losing money, expense ratio p90, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 3 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2018-09 | 1 |  | capital falling, expense ratio p90 |
| 2018-12 | 1 | expense ratio p90 | reserve under noncurrent |
| 2019-03 | 1 | capital falling | expense ratio p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | uninsured deposits leaving |  |
| 2021-03 | 3 | charge-offs p90, construction >100% equity | uninsured deposits leaving |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 1 |  | charge-offs p90 |
| 2022-12 | 2 | charge-offs p90, uninsured deposits leaving | construction >100% equity |
| 2023-03 | 1 |  | uninsured deposits leaving |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 | uninsured deposits leaving | assets shrinking |
| 2023-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2020-09-18 [Bank robbery suspect slips threatening note, then slips away with cash in Pike County - 11Alive.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSmlQbmdoUjNkeDgwN3hKM2EzakVLcmtvUTJ4QjhEdlFSdFRnMVBnQVJaQWJXSzFRdGw1X2tUTVprcDFsZ0pLb3lJOUZZRXdVYndmWXVlQmI3ZmJ6WFZEQklGMmNRU0JfdkxRZlZDRXRsVldGRXNxbGxQVUhMV1MySHh3NmJ1LTNjRjkzV0U4YkwxNVZLWjM0ZW1NOHltckJEcnlzNGx6SkRBcUhPcGNsU2dXZXZLM2pVOVdoMjhR?oc=5) · 11Alive.com
- 2023-04-11 [Jason Brisendine honored as Golden Eagle - pikecountygeorgia.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1TQUJFamxSUlRGQ2ZSOThGemNWbEdLUWpsZE4ybXRKUFNXZlNTQUJsYXlfQkdHcS0xVVo1Tm1PMW5qalZwLVVVTExwN2lvZGEzZ0Rua3dCRFhRT1psdGp5Z3YxZGlqejZDRlU4Z1drTGpZbGRYM01nVTgtYw?oc=5) · pikecountygeorgia.com
- 2023-09-24 [Georgia man convicted of robbing bank, threatening teller with note - 95.5 WSB](https://news.google.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?oc=5) · 95.5 WSB
- 2020-11-25 [Suspect charged in Pike bank robbery - Griffin Daily News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNRjZkazZKa2pSQnh2ajlBUGlqWmVmRU1oYVBjUzY4YXdkSGptOFFlVTRnbUF5cmliZ3puTENCLW94UGxmLUJMSG10T1o1c3FEUE5vekg1M3FzT2pJc3Nudm14dzFKLU9oMzFNZHZTV04tWlpEOC1TeFFIaWdWd0laVi0wQUFISWhrZkhvTXNzT3ZTVmpjY3VaNFNxV2p6MVJEcUhOUmQ0Wk5oRkRIRENuaTVOQXZmYXRmMmhZenVBcDR2Y0RRekNDZml1UjBCUzVv?oc=5) · Griffin Daily News
- 2024-07-30 [Pirates football under new leadership - pikecountygeorgia.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE15YWtWdVJqME05ZFFLcDFVMkdOS25vRlpJUFpTbVB0Z2x1UlVCM3ZPck16dWRSRy1nTFdnUUZhR3ZLOXY4Sjk3ZXBKOXZRWTUwSmZhQlNUTXJBaFRjelBJZ1NMNEExYXZWQnl6dlVMMWRkenMweDgw?oc=5) · pikecountygeorgia.com
- 2026-02-06 [Patricia Roberts Obituary (2026) - Griffin, GA - Conner-Westbury Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMWZmSVFsV1BwVHNuUzRSdHZEdWpmMjZRdXBiTlNFaVRkNThtOVVFZHU5V0s3a2lMYkNEWUdubE9McnJZVUVWM2lnaV9YRk5NTDNnREJXblVZcnpFSjFkODdXb2FGbi1zX2FuS3F1ZDVQd1c1dURvWHhrcVNTYzBqTkduX25fUQ?oc=5) · legacy.com
- 2025-11-19 [Kiwanis golf tourney raises funds for Pike County children - pikecountygeorgia.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSFAyVUtzcHpxUTg5cEd5QVpDcXlsdjc0enVXM0lqcWdTdTBNXzVSbkhHTHExdXdZZlpCcXJwRURvTTlLX1R3eGFDamVTalNkVFNoN2JKMlBkVnZsQWNwdlRGUEdvbFpLbGxTSjVRMlB5dVlZMXh6cVlaX0J0SWVJRVNGV1JVeXBkR2JQaHBUTzMyVnM?oc=5) · pikecountygeorgia.com
- 2022-01-04 [Concord Bank robbery trial planned for 2022 - pikecountygeorgia.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5tbjFxQk5oclVRX1Q2T2N5dFZsSUpROEI2UnJEVmdkVllSMmlyaGI4MUdFeURBX1BtMEtBZ0lqTlFpaVd2QjRwUHYtQ0xFYVJmQ3ByS0pMb0FOdEswdGMwdmk1XzMzckxRVEtNc09RWnpvNEFJNmFRYVBScHI0NUE?oc=5) · pikecountygeorgia.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9070 (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 "9070", 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