# GLENNVILLE BANK
GLENNVILLE, GA · FDIC certificate 9244 · asset band $300M-1B · 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 | $444.2M | |
| Deposits | $395.5M | |
| Loans and leases | $210.2M | |
| Total equity | $44.0M | |
| Loans / deposits | 52.01% (p7 of band) | 82.04% |
| Liquid assets / assets | 49.20% (p92 of band) | |
| Uninsured deposits / deposits | 23.72% (p42 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.02% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -18.12% (p25 of band) | -8.10% |
| AOCI / equity | -1.40% (p14 of band) | |
| ROA (annualized) | 1.56% (p68 of band) | 1.28% |
| Net interest margin | 4.14% (p64 of band) | 3.91% |
| Efficiency ratio | 54.07% (p28 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 199.34% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 55.83% (p61 of band) | |
| Auto loans | $6.5M (3.10% of loans; DQ 2.70%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 73 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2015-09-28 [Glennville Bank in Statesboro set to open Thursday - Statesboro Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdjR5LUJsV1Rid0lGcF9WN1EzUHRnaUQ3U2NZZ0VVX0pwS3ZoZjJxcGhpT0d4ZXhQUk5GRkFpNlhWZjVaVnBuZ1N0ZFBKS2MtX2MwVjZPSldFWGE3RE41MkwzdGdoM3pQeHJIVG1uTi1WaXZuUlExcFA3SGhsbURpLWRMcnRzbnRUSHl6NldqYnBIUGhz?oc=5) · Statesboro Herald
- 2019-04-10 [Smith promoted to Ludowici Bank market president - Coastal Courier](https://news.google.com/rss/articles/CBMihAFBVV95cUxOYy1LSGpjR2YtNl9XVUkyN2xzdUNIaVNra1FERV9mUUFzRE43V1NOSHlZRHh0ajQ3MHpEWjR5clVKQXhXVW1BSW5FY0dDdDBBdlpsUDNzbjYxYnh4SWNaVkdJY1RZd3RYOVgxdVgyVlNlaTRhZjBQLTlweVpDXzFlNm9XRGg?oc=5) · Coastal Courier
- 2015-03-30 [Glennville banking on Boro - Statesboro Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWWtVc1U1S2dVVmk2WmxZYldyWk9hekgxWENCNG5BSzZJV0RLaTJDTVJzbVh0WW0tT2lKSmFLREQzLTFfT1o1ckZpN0lhNmIzQ1lXemJIRE0td3hWM3JFV2hHWk5oT2xtczNHUzd5a0xHZldjRVZsTWNCRXA3aFJ4cQ?oc=5) · Statesboro Herald
- 2024-02-05 [Gloria Nell Kicklighter Coleman Finch Obituary Feb 5, 2024 - bradleybanderson.com](https://news.google.com/rss/articles/CBMickFVX3lxTE9Rd0NmY2hmWEQ5eXRMQ2Iwc2FNY3FsUDdzVG1zejRkMVF5VEExMTk5REJEcTc0bGVyODhaajhIbENYbnJfcXQtUmRPQUZkQXpXNzZBSnJLVG0zdk5kOTAydDV0WE1jcW5FSFBUNXQxbXAyZw?oc=5) · bradleybanderson.com
- 2016-08-22 [GB Bank Group names 3 to advisory board - Statesboro Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxOb21Deml4MG5rbGd3ZzQ3LVQxaFJOTjRuYy1Kb0JycnhCUTQxcXZXU3E5bzNSbEZsY0syelUwQi1OeHp6cGFBU2pUV3FvSGVEQlVZZXZLRnduTDMyRlR6ejN1UXpaM0F5WlVCR3hObTVHUEtfd1h6QVJIQWdlZDF6LUM2UklaeUlqTHUxVzEtZXlyUQ?oc=5) · Statesboro Herald
- 2013-04-01 [Dorsey Thompson Obituary (2013) - Glennville, GA - Savannah Morning News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSkVoRE9mTm9hUk9aMUVoSGtwRjNoSmhzRTR0c1dvNFprYzkzSXpHb0d1ZWlqWjdCSkRnMVdLOG9XMU51SDlERVpPc0tPandsUlBoLW1ONVNYTHN1V3c1R1VGQ21tMnpuYXE3YlpBVmR6aE40blRhMjJSYnhadEVNMU94VnZqaFdYYzBpU3hXcmI?oc=5) · legacy.com
- 2008-10-04 [John Kicklighter Obituary (2008) - Glennville, GA - Savannah Morning News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTmM1LVdUY3BsQV9JU3JNNk9ndDVETDdlR1o3RE5aTlhzUEdoclhCUlhfZk1pSS0tS3Z0eThmempIbEp4dmxMMFNvS2FwQmRxdXl5QjVHX2lDX2YwcWxRa3Z5Q2thUk9rejNFSUZ5UjNxX1Q4VWFIUV80THNsdXBXSXhjYmJsZDJRZlVFOVpPU05UZw?oc=5) · legacy.com
- 2023-08-18 [Carolyn Dasher DeLoach Obituary (2023) - Glennville, GA - Brannen Family Funeral Services Glennville Chapel - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQzgzTTZ2OGRUSUZWUC1ycUJqOEVvLXZHVWN1NGFqUEZnalVLZnMyOXI5ZXByZHdYektqZlFUOUFsMXZEb3lYaFVJQW81Vmd0WW9qcWVTdFZab2JHX1ZHeHJyQU5McGtjeURTQ0JVMlBaMEtMdHc3aWJLOUhKdUdRUkZRdTM?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9244 (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/28.json (key "9244", 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