# NEWTON COUNTY BANK
NEWTON, MS · FDIC certificate 9367 · asset band <$300M · latest filing 2015-06 · 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 | $158.0M | |
| Deposits | $134.1M | |
| Loans and leases | $89.1M | |
| Total equity | $22.5M | |
| Loans / deposits | 65.59% (p38 of band) | 72.67% |
| Liquid assets / assets | 39.41% (p63 of band) | |
| Uninsured deposits / deposits | 13.90% (p53 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.98% (p77 of band) | 10.53% |
| Unrealized securities loss / equity | -10.41% (p1 of band) | 0.18% |
| AOCI / equity | 0.67% (p95 of band) | |
| ROA (annualized) | 1.18% (p72 of band) | 0.82% |
| Net interest margin | 3.76% (p59 of band) | 3.60% |
| Efficiency ratio | 73.08% (p50 of band) | |
| Noncurrent loans | 3.29% (p90 of band) | 0.74% |
| Net charge-offs (annualized) | 0.03% (p61 of band) | |
| Reserve coverage of noncurrent | 40.16% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 10.94% (p42 of band) | |
| Auto loans | $6.7M (7.51% of loans; DQ 5.38%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |

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

- 2015-12-21 [BankFirst announces Whittle as community president - Hattiesburg American](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOSDlyWkhRcVpCc1lQT3g1UV9NZXB5WkdfMXdnanJJbXJwZ0htVXlGVGg3R1NQVzhMY25XSHlTV2R3U2k4d3VlXzRxMGh0UjM0eEtGbzFOQlZSeDdfSEpfVGdOZjltOGpvbU1KcEIwME01LUdpbFpudGNaX2NCX2F6WnVCYlNYMlpPSmdVcEd1dXZFZjJWNzl5WXA1a1g4NEVpeWdKUDEwWmpVVlgzVHdZVXo0SVBHSGIwbk1kNDZVU0cxZw?oc=5) · Hattiesburg American
- 2015-06-04 [Newton County Bank, BankFirst merge - Meridian Star](https://news.google.com/rss/articles/CBMie0FVX3lxTE5HRXlnd2NuTkpnSkZ6MTJudW12RUhmek5VSkhja29PRFZrRWZlRWEwY2wwcUUtMWdzWXdPbGtQaDJnS2htaEhuS18xMGlsZE9mcDVabVlla3dydUJkeVJ1cWlNdktIdF9nZ3JfRXhzOHBpVjFHMkhUTDhuZw?oc=5) · Meridian Star
- 2007-02-10 [F.B.I.: Tylertown bandit may be responsible for five bank hold-ups - WDAM-TV](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNXl2bVpONXpvakd1cjM1c3NyNXdpcEhsbU9uV09xRlZET0RXd1l6MDR6ZmtkQVI3OExGdEs1Tm5MeDEzZ3ZBTDVHRUNCYnZlS1ZIVU9aTlBFOGJVU3F6Rzg3ZS1zNmMxOUFDekluNnBORk5Lc0dpRTBURHBUY0xFMTB6azY0S003djFOa2lDLU5XbnZ2MWRFT0RyNDZBMDjSAbIBQVVfeXFMT1JQWi15T3J4eFdLRVg4TXRRbnkxVkhtUGJ4bjVFbXBYU0l3RFRHbmxYUmU2N080dHF3b3BnUXdKX1dvcl9QMURVM2hzYnRMTDNndk55cU5EZlZoUXNYeTltTk5oTE9QQzVuQ0VEbEtLODRKLXVPbWRWb1JkbzQxNlFLUGtYTG1vR09aTk5fbmV6bEowcF9FZXZLaXBwUHo2MzBDb2x4Nm1WM3l5NHJiOFlPQQ?oc=5) · WDAM-TV
- 2021-07-08 [Ruby Kennedy Obituary (1920 - 2021) - Newton, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQVjJxVHNSc0ZzbDQyUEVuOXBJbGg1alJUY3EzcEpEUFIyTFdjbHZma0hnNDByUzdEa1ZMWndtbFVucHZqR1YzR2NXRWtfeWxremJRbHNJWXdvNkRTd2FPYUl5MGw3UTdUY0o1Zl9WT1I0VkxKa0c4eGNTSHNUcTRwRTNqU3BxTTZDRmhfY01QOWZ0dkU?oc=5) · legacy.com
- 2020-10-26 [Burt joins Great Southern Bank as vice president - Meridian Star](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRWpiTHdSamR5SHI0bk1EME9WY1U5WXdzdVpWczRyS2lWQ1BmZ0hzcGpqWjZKbnE3ZVNydElxNW83QzVWYUdUTDFnODVxMHJPQXFUOHRTSmRwdThQSHAwSjNVdGxzcTdzOWdlb2NPQ3hPT19PNHVlM0lRVnlOMFl2Q0R6ZTRMLTJhNlZLbVB3?oc=5) · Meridian Star
- 2018-03-21 [Thomas Harthcock Obituary (1929 - 2018) - Newton, MS - Clarion Ledger - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQX0dtZXl2QkhjSXNSOXE4VlNXWFNzdkdpcEpyZUZIcVViTUxhYUpka0FfSWJlRG8wcHFTSkhJMzBQLWdCT2hBNlZ4LWM5ZTBiNDRZRXNSNV9ILVU4UmZEQm1reWtQeTl5VEppVnNTcEJVLUxWQzJ3SVRLazFVYkFyMkNJYmNielVPN3NvcmxvalRSLUpzT2hmWA?oc=5) · legacy.com
- 2015-11-01 [William L. Freeman named new board member at BankFirst - Meridian Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQ09lSE1aVV9GMktfenZCVkxFR0xyMzI5T0pRVzZPQTRQbnFfa2RvOWFfRW1tNGlXbHJSTFFObHJCVFVMOU5zSmhZZjJSY0Vmd1Jyb3JLTDBCTk9OS1htSWlwZjZ0ZFkzUm9IRE5xSTRaay1DSi1Zd0pEM0JlbGhDcERIalJJbmVSeEFWU1ppbTRzZnVG?oc=5) · Meridian Star
- 2021-09-30 [Paul McMullan Obituary (2011) - Hattiesburg, MS - Hattiesburg American - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTGJsVVRXTDRqUU9rcVpUTTI0MWFmR2R1MXllaElydGk4eklIQnRuU3hFUnI4M1U3Rm9fQmRtMTFlY2RIdnowbjE0dnBVVmpwY1J4Y2x2YnB2UTVad2xnOFpjVGFJYWFqQk1QdlNTcGx1QUhMazRKdFFwMldfRXJrWG91WVNIV2YtdjhVRGxIVm9SQ2FPbmFBaDluVC0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9367 (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/23.json (key "9367", 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