# APEX BANK
CAMDEN, TN · FDIC certificate 9176 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $1.46B | |
| Deposits | $1.14B | |
| Loans and leases | $1.20B | |
| Total equity | $218.8M | |
| Loans / deposits | 104.55% (p92 of band) | 87.10% |
| Liquid assets / assets | 9.44% (p5 of band) | |
| Uninsured deposits / deposits | 26.10% (p33 of band) | 30.76% |
| Brokered deposits | 25.78% | |
| Wholesale funding | 31.85% (p96 of band) | |
| FHLB advances / assets | 6.08% | |
| Tier 1 leverage | 14.46% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 2.19% (p93 of band) | 1.26% |
| Net interest margin | 5.26% (p96 of band) | 3.70% |
| Efficiency ratio | 39.24% (p8 of band) | |
| Noncurrent loans | 2.49% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 41.11% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 19.33% (p17 of band) | |
| Auto loans | $661,000 (0.05% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $4.6M (2% of equity) (p78 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 220 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2013-03 | 1 |  | loans exceed deposits, capital falling |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 4 | liquid assets <10% |  |
| 2014-03 | 3 | noncurrent p90 | loans exceed deposits, liquid assets <10% |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 5 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2016-03 | 6 | uninsured deposits leaving |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 3 |  | liquid assets <10%, charge-offs p90, uninsured deposits leaving |
| 2016-12 | 5 | brokered >10%, liquid assets <10% |  |
| 2017-03 | 3 | charge-offs p90 | loans exceed deposits, brokered >10%, liquid assets <10% |
| 2017-06 | 4 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2017-09 | 5 | brokered >10%, charge-offs p90 | liquid assets <10% |
| 2017-12 | 5 | wholesale funding >15% | loans exceed deposits |
| 2018-03 | 4 | capital falling | charge-offs p90, wholesale funding >15% |
| 2018-06 | 4 | liquid assets <10% | capital falling |
| 2018-09 | 4 | wholesale funding >15% | liquid assets <10% |
| 2018-12 | 5 | liquid assets <10% |  |
| 2019-03 | 4 |  | liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | noncurrent p90 |
| 2020-09 | 5 | capital falling, noncurrent p90 |  |
| 2020-12 | 4 |  | capital falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | uninsured deposits leaving |  |
| 2021-09 | 4 |  | uninsured deposits leaving |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | charge-offs p90 |  |
| 2022-09 | 6 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2022-12 | 7 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2023-03 | 5 |  | loans exceed deposits, uninsured deposits leaving |
| 2023-06 | 6 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2023-09 | 5 |  | uninsured deposits leaving |
| 2023-12 | 6 | capital falling |  |
| 2024-03 | 5 |  | capital falling |
| 2024-06 | 5 | liquid assets <10% | noncurrent p90 |
| 2024-09 | 7 | noncurrent p90, deposits shrinking |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 5 |  | liquid assets <10%, deposits shrinking |
| 2025-06 | 6 | liquid assets <10% |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 5 |  | noncurrent p90 |
| 2026-06 | 6 | noncurrent p90 |  |

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

- 2026-04-07 [Apex Bank purchases second-tallest building in Downtown Knoxville - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWUlnR29LWGM4d3RWMzVPcUltYlVfNnAwZkd4M3QwYURpVmlmZFlGNjRLM0tMNDBJMkRwRU9ORHVGTjlOWWJnZkJ6V0FlQmZ2QVJNY3RsNEtkdWZfMUNaWEY0c1MyaElYa09mMXlUZ3NhNzgxWHNlSzJBTEMyb0xZbXNyd0dFQzhjTXJyWEdrMHBRLTZ6UEJ2ME9nSHNfSEs5WTBURGZ3M0dzYkJwZnfSAbMBQVVfeXFMTjJSM1JDU0ZaaEswd1hldUpTNGpYLTk1dWpwQWhudllhaTVJUW91WG52VlVpX2toZ0RnQzk2dHMtMWduS1BKZHlHQjZ0ckRURlNxb2NqY3V4TXY2WXh6UGgxdDBSSlJzSXlHS1h2VWxzblEwdjFHQ245MzBRWWZWb3lZN2Y5c3R5Q1ltMjBab2RyU1FELTN6UWxrblFONzJWWi01a3lLVjhxbWxGQ0NBTTFqR28?oc=5) · WATE 6 On Your Side
- 2026-04-07 [Apex Bank buys downtown's Riverview Tower for $44M - WBIR](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVG50MVdsWUhQanQ5dllEWWlVR3AyX2pQc1YtQWtOQ2Ric0NuaFZyb1ZDWUlWeDljMzA3YzJGVjJpWFVzZUljX2RadzUxLUNURk5HdDl2T1R3Nno5eGRBNTJIU0FtZWN1T1VFdS1HVnY5ZEx6Q2VNVFgyQ2toaEFxX0M3cHpyNlJralpDS1ktWFlFUDlFcnhCaGNWX1ltenVvU3pUcjFDLUcwOEd2bnZYU0d4RmNNTFR6b19ldnF5ejRqUTNSQW5N?oc=5) · WBIR
- 2026-04-07 [Downtown Knoxville’s Riverview Tower has a new owner - WVLT](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRHhYY1R6eUF5eEs1S0Yydzd4ZzYwSjlDRWxxaEV0YWNrcEZMZjl5Zk9SOHpyZ3NsZjc2dUFGVDNSRUg2Z0dGR0oyNHQ2TklrQ09ESHR4ZXVaUXZRcTB1dUlOVG1RSnpxeUUxLTNxSmhHLWVJUm14b25Tc3JlRmN6eEo2aUY5bkhH?oc=5) · WVLT
- 2026-04-07 [Riverview Tower has been sold to a major Knoxville bank - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMixgFBVV95cUxNMEFVdTVfRWNwZnVNX1VoR2dmU1lCZlhYQUVMcEotSHpqU1hCVmw0ckZmS2JjejRDc2t5QkJOVndXUURSWmluS2MtQ2JFZlp3aXpZeFc3aFJaczROUlQtcEZqTEtpN0JpNVRLSUpveUktSTJLM1RweWZVdW5EejFNczlvaE9Lb3BvbE9WVlMwYk1QQWFZTFBTVkVKUXllZWIwLW9iWDhRZkFEOEpYRlhsNFRjbkg3NHBYd3NtRHFCbGlubERkelE?oc=5) · Knoxville News Sentinel
- 2026-04-10 [Dave Miller + Keith Foster + Jeremy Floyd + KGIS + Deep Jariwala ++ - Knox TN Today](https://news.google.com/rss/articles/CBMijgFBVV95cUxNcndQYmdFUDdQM3dxc1NKTEU1OHFIVzdYU2V1cHhaOGFEUWhiOTY3eXpaUmo0dEp4eEIwdDlvb1JMSmdYbkR2ejdKOWQyS0dvaXpxWjY3bTdKODlYd3gxQy1OSUx6T2wydWJscWdNVmRQQVY1cU5nVUY1X2FDb1dvS2RMWmx2NHg4TzFYb0Z3?oc=5) · Knox TN Today
- 2025-12-09 [Roberts files lawsuit against Apex Bank following foreclosure - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxORkZ0a2tnWmtaTjFPT1MtRDFpejhfX1FyS2pRUWo1MEQ0SWlyZWpEQ044Rml6VmdsUlU2S0ZtWHpsNkk3LWVEUmRza1NrZDJZRTdMeVI2MklLYUJkZi1scWg2dWo2X3BRMnlpQUlBMnlEUVowZXBRSmMtQmNIZDY3R3JoaHN0cXJsdkRjZWFrOGsxR214QnZYaDBzcGJLUEtEcDRrdm9WRnZrTWdvTFNCbXBwbFdNeFI0Vmo0dGx2VzZvWWJ3OTFWLVpYQUY?oc=5) · mainstreetmediatn.com
- 2026-01-28 [farragutpress - farragutpress](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9tZHdoZUVRQnRNWGFyVzRSNlJXNHNJcHlhdVYzaHZzcGhzTWNwbGpnWDZIeXZkR3g0eC1vMjR6TDBzVEtHakVmNlFhUW92YUN4aHJUcWRWNHVHc2t4VHM5TGt3?oc=5) · farragutpress
- 2025-12-08 [Senator Kerry Roberts counter-sues Apex Bank for fraud - State Affairs Pro](https://news.google.com/rss/articles/CBMidkFVX3lxTE0ycmYxRkZtdWFwcDZUT1RJSGpQMmFBUGNIWVoxMFg2RVEtd3RRUEE4S2pXY0NvazdiclR2TV9Yc0R3YkdBQ0FUWldpODdkUlRmbkRxbDJRZjBkWl9hWkVzVmhGRExpQjVkNFJYZlJTVVlHQjRXRGc?oc=5) · State Affairs Pro

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9176 (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/24.json (key "9176", 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