# ALLIED BANK MULBERRY, AR · FDIC certificate 91 · asset band <$300M · latest filing 2016-06 · FAILED **Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $66.3M | | | Deposits | $64.7M | | | Loans and leases | $41.7M | | | Total equity | $1.3M | | | Loans / deposits | 60.76% (p28 of band) | 74.58% | | Liquid assets / assets | 21.43% (p27 of band) | | | Uninsured deposits / deposits | 5.27% (p11 of band) | 14.02% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p18 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 1.80% (p0 of band) | 10.79% | | Unrealized securities loss / equity | 4.62% (p74 of band) | 2.02% | | AOCI / equity | 2.04% (p70 of band) | | | ROA (annualized) | -12.37% (p0 of band) | 0.86% | | Net interest margin | 3.14% (p23 of band) | 3.65% | | Efficiency ratio | 184.82% (p100 of band) | | | Noncurrent loans | 12.29% (p100 of band) | 0.67% | | Net charge-offs (annualized) | 8.37% (p100 of band) | | | Reserve coverage of noncurrent | 47.30% | | | Real estate % of loans | 67% | | | Construction % of loans | 208.25% (p99 of band) | | | Auto loans | $598,000 (1.43% of loans; DQ 4.35%, NCO -0.01%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | -28.6% | | | Employees | 40 | | ## Flags firing in the latest filing - **leverage <7%** (`cap_low`) - **leverage <5%** (`cap_critical`) - **capital falling** (`cap_falling`) - **losing money** (`earn_negative`) - **expense ratio p90** (`earn_efficiency`) - **noncurrent p90** (`aq_noncurrent`) - **charge-offs p90** (`aq_nco`) - **reserve under noncurrent** (`aq_reserve`) - **construction >100% equity** (`conc_construction`) - **deposits shrinking** (`shrink_deposits`) - **assets shrinking** (`shrink_assets`) - **uninsured deposits leaving** (`flight_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 2 | liquid assets <10%, construction >100% equity | | | 2011-06 | 4 | loans exceed deposits, reserve under noncurrent | | | 2011-09 | 5 | losing money | | | 2011-12 | 5 | | | | 2012-03 | 5 | deposits shrinking, uninsured deposits leaving | loans exceed deposits, losing money | | 2012-06 | 8 | loans exceed deposits, losing money, noncurrent p90, assets shrinking | uninsured deposits leaving | | 2012-09 | 7 | uninsured deposits leaving | liquid assets <10%, loans exceed deposits | | 2012-12 | 6 | | uninsured deposits leaving | | 2013-03 | 8 | capital falling, charge-offs p90, uninsured deposits leaving | construction >100% equity | | 2013-06 | 9 | expense ratio p90 | | | 2013-09 | 7 | | capital falling, uninsured deposits leaving | | 2013-12 | 10 | leverage <7%, construction >100% equity, uninsured deposits leaving | | | 2014-03 | 9 | | charge-offs p90 | | 2014-06 | 8 | | construction >100% equity | | 2014-09 | 7 | | uninsured deposits leaving | | 2014-12 | 7 | | | | 2015-03 | 6 | charge-offs p90 | losing money, leverage <7% | | 2015-06 | 7 | losing money | | | 2015-09 | 8 | uninsured deposits leaving | | | 2015-12 | 8 | | | | 2016-03 | 9 | leverage <7%, capital falling | charge-offs p90 | | 2016-06 | 13 | leverage <5%, charge-offs p90, construction >100% equity | | ## In the news (Google News, unfiltered, newest first; check the city) - 2016-09-23 [Mulberry-based Allied Bank closed by Arkansas State Bank Department, Today’s Bank acquires deposits - Talk Business & Politics](https://news.google.com/rss/articles/CBMiywFBVV95cUxQTGhjc05lcUV1OXQzM3dYc3ZMUXVQZUlyVUVub1lGUzliclBKVEUyc0QtZmdyV0JkRjc1cUN2M3R5REE2UmdaeG94S2p1UlRjcmpTc2xvU2txT2JUSlZrZF9YNDd3ckJwdmU3Ni1OdWJmYUY5amduaWttekNDd0pBcE4tMzhIUmxyemFVSjZjRzRQeTFYNFhjbG5QaUhDbmtMWnRpeEtLTzk4NmszcmZFVmY5YVM3ckRhXzJoczlFTjM5eVFmZGFRNUdRVQ?oc=5) · Talk Business & Politics - 2018-03-23 [Review details failures of bankrupt Allied Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMirwFBVV95cUxNd2hwWDJsc3FYMXpOWlFBVVlRd004NGw3dkNEcnJHSVNTZ3FrbTVXUnd2VVRidmFNUjBTWFg1djY0QUN6MGhqLVk2a0VCNU0zNU1iRThSNGZhUUU4QnZoamtENUZNTHRSM011di04SEZRajhpbGpQazdWTDFqRjJnQ01tbWVmbmkwVmtraG1IY0c3QlZINEpQdU5sVlRsaUUxMXVnSFNuTDVmYWdRTW1R?oc=5) · Southwest Times Record - 2018-03-22 [Fed Report: Examiners Tried to Remove Goldens Years Before Bank Failure - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbzZ1aTltaUluRzNodUs2ekEyeTk3bGtIOUVfd01RWHFDX2hXT2I0MENOWkNQRHY3ZG1WR0YwRVJ4UHNSek5McTV0SzE1cGtZbEs2MUxhaWxzaVlDUkZES3BvQ0Jic2JJQzdSNmtzUlVVb3Y2eDF5dkVYZDh4WGw0ZWNnbDByMXd4dVlqS1ROVVlFcThMeXJWNjBxeW1HZTZZME1vU2ZCakRJZ3ZiQjFLeDVn?oc=5) · Arkansas Business - 2023-03-19 [OPINION | ANDREW MOREAU: Banking officials: Financial instability not affecting Arkansas banks - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxNT01fanFHTGVpblhZeFFWdlhRWXBJdHU0NHJldVhmZkZaTHpubkh0UUNkM3ZFQUVrY1BCN2lDQThjWkdMc0NKczBWSURQNGI5WTQyUFdfUXE1Sy1IVlpTOGY2elFOc25hc19Ram91NkFmcnVtSkFNRG15bXV2T1ItbWltV3FUWEo4R0xid3FWUnY?oc=5) · Northwest Arkansas Democrat-Gazette - 2021-01-13 [Next Generation Steps Into Leadership Roles at Community Bank - Resident News Network](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTHdDdVFhaGVjcmlwa3E0Skl0dC0yakowWmZQb2dRN3h6ZlFEbUhnZjBjSHZENGlFTi15a21YOVZ6Mk55UUd6amJtM2JMT21VWkpnbFYzTk40aEdWNEI0bHdTcGRxUmJHWjlWeWx2TE8tMjZvcnBWOWFTMTFHMzAwamVqeHdfUHl5dXczNWdYcEo2OHM1a1p0aDR3?oc=5) · Resident News Network - 2016-12-19 [As FDIC bank failures ebb, Arkansas banks search for other growth opportunities - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxObnVvVGdDS1A3UTRGNi13d1FtN3ctbmJaMEJjY3AyWXR4YUFrV0c5US1WNkJaU21iYVNyLXZpSDJJQm5YMHVrYnJSZTZCb3k5cFMtUE5jcXg0VlVKQmJ3ZGRGQ3NlLWpCbGVod2g2d1dvSzk2LVFoS01tcnBGT3I2U3FMOVFBNzN5NE5aem50RGpOMmVkRVFuYnU5VDJWa0c5VV8zSVh5eFJQa1N4bng3Y2xR?oc=5) · Talk Business & Politics - 2024-07-08 [Red Ink Follows 2 Banks Into 2024 - Arkansas Business](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcGE2bjdidjFsSFJMd2hWdVdxR1E1NjhZM3BCRlhHazdHY2pHTXBDanRlbHNwTWtmQ2NuYVZER01YUTMxQWFpazkzTEk5TWxwM0pSUFlwNkJ1M1hQUTFSdGJSM2NZWVdBX0dBNHJ3SkRqZWFaS01Eajdkbi0wb25TcA?oc=5) · Arkansas Business - 2018-04-02 [How the Goldens Ruled: Fed Report on Allied Notes Self-Dealing, Insider Abuse - Arkansas Business](https://news.google.com/rss/articles/CBMicEFVX3lxTE1PSS1pVUR1NzRZaWhPLVBza2diVVpIbWd0OTBZd21RZVhfazctejI3ckVpTG9nUHVkTTkzY1c3d0k0eUUwOUhZZ2xrZTVhaGdLU001dnBSQzJQT2kzR2lNZ1E1cG9QN3ZvbDNjVkZTWEw?oc=5) · Arkansas Business ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=91 (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/27.json (key "91", 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