# LOCAL BANK
TUSCALOOSA, AL · FDIC certificate 9614 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $111.3M | |
| Deposits | $87.5M | |
| Loans and leases | $86.3M | |
| Total equity | $17.1M | |
| Loans / deposits | 97.84% (p89 of band) | 73.59% |
| Liquid assets / assets | 16.28% (p14 of band) | |
| Uninsured deposits / deposits | 23.71% (p64 of band) | 19.81% |
| Brokered deposits | 4.03% | |
| Wholesale funding | 7.63% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.29% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -0.26% (p86 of band) | -6.57% |
| AOCI / equity | -0.15% (p62 of band) | |
| ROA (annualized) | -1.47% (p3 of band) | 1.17% |
| Net interest margin | 3.68% (p36 of band) | 3.93% |
| Efficiency ratio | 111.08% (p96 of band) | |
| Noncurrent loans | 1.42% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.32% (p95 of band) | |
| Reserve coverage of noncurrent | 63.60% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 100.41% (p94 of band) | |
| Auto loans | $311,000 (0.36% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.7% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | assets shrinking |  |
| 2012-12 | 0 |  | assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 5 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2017-06 | 4 |  | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-06 | 6 | charge-offs p90 |  |
| 2018-09 | 5 |  | assets shrinking |
| 2018-12 | 3 |  | noncurrent p90, uninsured deposits leaving |
| 2019-03 | 2 | uninsured deposits leaving | deposits shrinking, charge-offs p90 |
| 2019-06 | 2 | deposits shrinking | uninsured deposits leaving |
| 2019-09 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2019-12 | 4 | charge-offs p90 | deposits shrinking |
| 2020-03 | 3 |  | uninsured deposits leaving |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | capital falling |  |
| 2021-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2021-06 | 3 |  | expense ratio p90 |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 6 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-09 | 5 |  | NIM <2.5% |
| 2022-12 | 6 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2023-03 | 4 | loans exceed deposits | reserve under noncurrent, charge-offs p90, deposits shrinking |
| 2023-06 | 4 | capital falling | uninsured deposits leaving |
| 2023-09 | 3 |  | loans exceed deposits |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2025-03 | 4 |  | reserve under noncurrent |
| 2025-06 | 3 |  | loans exceed deposits |
| 2025-09 | 1 |  | losing money, capital falling |
| 2025-12 | 3 | losing money, reserve under noncurrent |  |
| 2026-03 | 5 | loans exceed deposits, charge-offs p90 |  |
| 2026-06 | 5 | construction >100% equity | loans exceed deposits |

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

- 2026-07-13 [Alabama bankers worry that stablecoins could undermine traditional banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZ3RXZkRnUzZLRGtybk9uUWNxNU5fLWI0cGZDeWd0VF9JOGFFTngxNTltZ3BlV3NmVE12MVdJYk44ZzFxWGpQelo3X1ExMDYyWFFkY01tSGFuM3lKZEtaTEY2QlA3SXNTa0dMUl9zUnhiM3dpUU5FdlZRdXhpR3MtcFBDY3NhdnNMR1RodE8wUWdta1FXUDdyQWNGU2llcnFhTW9IOXN3?oc=5) · Business Alabama Magazine
- 2025-12-16 [Alabama-based ServisFirst Bank hires local leader for Texas expansion, to open Houston office - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaHV4VWNWaGFlM1BXQ1pMN0Y1c21xNkt5N3ZLOXljcjhHYkY2a0p6bUZlMllQb25zVFdmZTJBbzdfMUdfUXBOa1Y1MTNpTDZpTkdQeDA0WTdEOWhJenljQmNEelJ0bG1nbGFGRXBFeDFseTlXSTNkbkNqRnJQNFRXZXd2Ymc4TVpHbFRvY1BCUUpxRVNiVWx5R0l4ODNlSmpiZFl0ZTB5TWI?oc=5) · The Business Journals
- 2025-12-31 [A north Alabama original: Bank Independent - Athens The News Courier](https://news.google.com/rss/articles/CBMihAFBVV95cUxPeDhRS1RiSzVkSVY4U1ExSjlaMEpHMnVhM2FtdDlwVWxTWlhUaW1Qanlsa0RSOUMtdS1nRDRlX1RoSFpLWXN2eXhUNVRvVUhzdGRZLWtIRUdSdXNXRHJpckdQOTBTZnVENGhyTlU3WFV0UmN2SE9sR1RRRnFTUFpzMnl2ZUU?oc=5) · Athens The News Courier
- 2026-06-24 [Revolut in Morocco: Jouahri Names Three Priorities Blocking the Neobank’s Entry - Morocco World News](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcUlxZVFORFhuM3VTTjdSbWJuUzItT0kyUDB4Ym9rY3lhZ2JwNzBKWjNWbjAyZkNOZHpFbVhSQ2ZwVWtLQVdrZ1RtakY1dEh5eHJFWTRSS1g5MTJoQW1ILUZKVjZrN0pmR1RtZmRpNzZWc0U3Z015U1RkZ1MtTXVtQTh1NGR4WjBNSXJJeEw1elNESHhURWhLYzVmcHdOeWs1ZjB6eEZyQlFMaHpJaG5rV0J4em5kdmlPR3RxQm5SVjl3OXpH?oc=5) · Morocco World News
- 2024-09-23 [New Local Bank branch coming to Huntsville market - Hville Blast](https://news.google.com/rss/articles/CBMif0FVX3lxTE9wSmpZTXlueGN1MDZPcHl6LVJ6cFZXMWdQMzNSQUFkeXJWUllrcVhLMmNqbUxwenlENU5IN2JDdVh5bU9uLXpVbTBtR1p3eVdLSXVUM2RfRlg5dWdYVDJ2UGFYLW5GVnc5eVlzZnZwM1Byd3c3aWdvVjRRVFRrYUk?oc=5) · Hville Blast
- 2025-07-01 [This local bank loves community—see its 20-year impact in Birmingham - Bham Now](https://news.google.com/rss/articles/CBMiogFBVV95cUxNREEydE1ET05PUXNGMnd2Q0NJYjRuQmRzdUpvRGtkOXU3cUdISWhCeXpLTi1hMW93V3BvMXhlRTZkNGlReW1MemtrWTJVX181OTlBQ0NnVXJKb3hUcUFrQWtaTldUV0dwQlVVdW5jRVh4enZaQklROVNGdUhoTWVQeWpreENHV3FxYnFvVjBvazNNN3BBM01JNW96TzZWenh0UWc?oc=5) · Bham Now
- 2025-08-08 [Local Bank Becomes Adopt-A-School Partner For Woodland Forrest Elementary - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeHlzUkF2MEdhNktteUIta1FxTDNLaENoZTh3d2FqODd5SWFPd09kYmF6dnBoaEhSQVhwU2czenA0YkFaamMyZEhlaTNHal81MlVLOWpJeGMtUElwMGlKeUZMaHhTdUNhWE9TelJqdGNJUEM2NWFQSTdvWVVGdFFUbXY4Q3pqekUyMHc4ZURlNU1iUWJ0bmVKWFZsZnBMMGg5ZkNRYkJ2MA?oc=5) · Patch
- 2023-02-09 [Local Bank Gives $50K Donation to West Alabama Food Bank for Their New Facility - Tuscaloosa Thread](https://news.google.com/rss/articles/CBMia0FVX3lxTE95Zzg4ZzFsRThXTVhidl9fU21TdTdjRllqbFdlV0lKallWRUljV2I4Rm1BWVFnQXQ2N3JyZmVrOWpKWVh2eGJ1SVhiTzFBVzVVOXExLS05VmdoRWFWMVBxaFVJbWlNQVdiWU84?oc=5) · Tuscaloosa Thread

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9614 (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/14.json (key "9614", 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