# REELFOOT BANK
UNION CITY, TN · FDIC certificate 9199 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $152.5M | |
| Deposits | $134.6M | |
| Loans and leases | $78.2M | |
| Total equity | $16.4M | |
| Loans / deposits | 56.32% (p23 of band) | 74.46% |
| Liquid assets / assets | 43.93% (p72 of band) | |
| Uninsured deposits / deposits | 14.64% (p49 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.91% (p52 of band) | 10.76% |
| Unrealized securities loss / equity | -7.04% (p8 of band) | -0.86% |
| AOCI / equity | -3.36% (p22 of band) | |
| ROA (annualized) | 0.72% (p40 of band) | 0.85% |
| Net interest margin | 3.91% (p64 of band) | 3.68% |
| Efficiency ratio | 78.46% (p65 of band) | |
| Noncurrent loans | 2.94% (p90 of band) | 0.62% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 100.87% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 21.54% (p57 of band) | |
| Auto loans | $2.9M (3.71% of loans; DQ 0.03%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2014-03 | 0 |  | losing money, charge-offs p90 |
| 2014-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | noncurrent p90 |  |

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

- 2023-03-24 [Obituary information for Michael Hagan - Milner & Orr Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE9mSVlUMU11a3BkaU5najVOWnZDWmo1ajB1d0hJNi1QdGY0VFpiYUtyU2R4V2xPemZzdDVRMVAxLVJaOG1UNHdoUWs5TFBGZ1hlM3MtR2tyc0FmbjZPUXRXRmhtMzdncVBjRHpDMHJSSlpZRWIyRmc?oc=5) · Milner &amp; Orr Funeral Home
- 2020-03-02 [JOE EXUM SELECTED AS UT MARTIN’S 2020 “HOOPS FOR HEROES” AMBASSADOR - utmsports.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOS1BrRDY1QkF3VnpuU29FRG9IRDhnREdtTUJBUnVzdkhqS2V5V1FyejNBVFF0VEJjU0JkVzJ1X01tSWNUTmZpbHRvaVRnYTU1clNTYk1rM1l1N1pKYWwwdXZXbGxfbnNxaU5jazVTbzNQMUxDSjBVNXhrU05jdC1MTmYzMVdkLUxZOXJDc3hFUUF4WmJHVXlOc184M0lmaVBkYzdsR1VRYUNpdXhm?oc=5) · utmsports.com
- 2025-03-13 [Ray Nelle Mcmillon Obituary Mar 13, 2025 - Edmaiston-Mosley Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9sdU92aW1UX01udmI1dmdlTlRLX2k4NDdnMENFY0p1TE90a01Td25rYi1HZnFXOGxRRDBVMU9YemNWbVhrVDRqdnlIUVZUMmZ5RGxiY181bzJJdm9TQVFoS1kyRQ?oc=5) · Edmaiston-Mosley Funeral Home
- 2017-08-15 [AML Whistleblower Sues Bank - BankInfoSecurity](https://news.google.com/rss/articles/CBMidkFVX3lxTFBwYXV3OEhaMFNDbDhCRmdUOTY0RDR6UXhvV1FwNHJ0c2xVdV9vWWNrMTJlZ3BCNnJoVVVhSDQyLTFELTJNSWtsNDM4Qm9iQUtpSGRqb1R2WVhsY2J3cEJOaVdnRTVvaW9NWHJwN2lENlkzZmZnOFE?oc=5) · BankInfoSecurity
- 2013-12-18 [Robert Keathley Obituary Dec 18, 2013 - Edmaiston-Mosley Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5UWjdlRzNVYjZVaF9qdG45dW1TZGdFV0x1UlRfbFFPSnRRUm9ZTlFuWE5BZkd6ZkkxT1ctOTh0b3pJclBYMHZCZ0kzY0phbENFbGowZmpNOTgtWkh2bnVCY0d0VGZoVHc?oc=5) · Edmaiston-Mosley Funeral Home
- 2025-01-25 [Beverly Jean Vanderford Obituary (2025) - Paducah, KY - Pettus-Rowland Funeral Home, LLC - Paducah - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQZS1XNExYR2VOcHNzdlRFYlg1aXJ2bGZWSElGM2lCaUZMM296ekp1MWxTOHN2SmlkcDJOem5rcm5weGw5WHFMMVlrTnJoNVRuN2ZVMS1rTENIbFBSRWlWMEhNRThNaTlBX3AtSDNscXhBV0lTTERsRV9GVDNNVUszb3dzaURCZXU3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9199 (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/47.json (key "9199", 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