# CLB THE COMMUNITY BANK
JONESVILLE, LA · FDIC certificate 10532 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $350.9M | |
| Deposits | $313.1M | |
| Loans and leases | $208.7M | |
| Total equity | $36.8M | |
| Loans / deposits | 65.90% (p19 of band) | 82.04% |
| Liquid assets / assets | 37.59% (p79 of band) | |
| Uninsured deposits / deposits | 29.87% (p66 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.36% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -5.36% (p61 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 4.22% (p68 of band) | 3.91% |
| Efficiency ratio | 59.69% (p45 of band) | |
| Noncurrent loans | 2.58% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.28% (p93 of band) | |
| Reserve coverage of noncurrent | 44.43% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 113.60% (p90 of band) | |
| Auto loans | $7.2M (3.45% of loans; DQ 8.35%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 | charge-offs p90 | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | charge-offs p90 |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | capital falling, charge-offs p90 |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | noncurrent p90 |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 3 | noncurrent p90 |  |
| 2021-06 | 1 |  | capital falling, noncurrent p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 3 | noncurrent p90 |  |
| 2022-09 | 2 | AOCI drag >20% of equity | reserve under noncurrent, noncurrent p90 |
| 2022-12 | 0 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-03 | 1 | reserve under noncurrent |  |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  | reserve under noncurrent |
| 2024-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | noncurrent p90 |
| 2025-09 | 3 | noncurrent p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | charge-offs p90 |  |
| 2026-06 | 4 |  |  |

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

- 2021-07-01 [CLB The Community Bank to build branch office in Carencro - The Advocate](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPZF8zVE1ObTMySktYVFhJaTJVMDFTN2lHSmRobVB3aTdPd2hkVkZZVmZNTlg5R1l2dDVTaUNkQTZTVmwwVG5uaUkwQkpmZFpfU28xbjJNb1daOXJVY0VKaGVZcjJpVXhqSXZPemdBYll6cUZUTl93UU1IdzlnSGVYZDNUZk9uVmdaXy1IcnZWUW9WbVhpckpwbm05V1I3SWRXVkI2b2xMRXhKUVB4MDNVUGk0YTJaUi1ET3YyamRnYkZjVnlLanBZWFVpV1l2QVk0N3BiQlFVUU4wbHI5QW5JSTYtLUVCalVDa0NyQktObw?oc=5) · The Advocate
- 2025-10-29 [– Court News – - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5FbHhpM2Z0a1VUYklZa2ExeVRQR3ZZb1lqWHhOOXNPOTNNal9NdWFiZFd4Wi1kb0NzaXRMNHBuVGhoMU5VNk5ONVVxWGlsLW1KcVRfbkJGb3JwV3ppOEh3?oc=5) · Teche Today
- 2026-07-14 [Acadiana newsmakers: These 15 company leaders chosen for One Acadiana's CEO Roundtable - The Advocate](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNTkpaRDdmcjZhUm01YThzYXdidXBzRWtWM3F4RGMteDFwYWVDLVZHSV9XblJLRkxobjlGa0Z3ZzktSTdmUzM1QVIxZmQ1Sy0welVxekdmQzl6dzZOd2hTbTVscXZubDJhTTIwMjFSVHlMeFMydDRyQ1ZHMkROVWNUVGJVWmMyQ000ZWE2OVhoSEt5UEgxM1BEeHBodXhuWE9xUFY3X2h4UTV6T0luWmwzVkFjNzRHdV9qNjJFMXc0cG5mbXpmVGU3OGszMnlMeXAyVUlYcW81QXN0WmtJMFdFYnljTWNrZi1ubkJBSzZyU08?oc=5) · The Advocate
- 2025-03-12 [– Court News – - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1FOUpBcjduT2V0eWhtNms4SEk4VHo4cW9tTjgzMFZmS1J0TWc1WG5ISEEyNEtNSTI1S0MwVXZWVUJtaTI3NUhoZ083cFQycGpYcDJWSEIxU05lSjA2UDA4?oc=5) · Teche Today
- 2021-07-19 [Former Panera location on Ambassador Caffery Parkway has a new owner; here are their plans - The Advocate](https://news.google.com/rss/articles/CBMimgJBVV95cUxNRmFKZmk1enp0T0RjVGpxd0dKMThzSEp6VFZfaUdHNU9SYjJ2aERISVN4eWZGeWZzTllmeXJ1eS1MLWlTUjUyOXhmODBPZ0E1eW00T3NYckp5TktUajZ3emE2Q3VtOVM5bmtLUmxEbXFKTm5OOWk3NkN4ZHVGZkJON0RCdTg2VlBQNXpXNjB4eDRBdUFLNWM3YnpuNF9PSi1QczRmMTFrVEJHbGZqWGZCR2twYkhEcEdVdHZhWTIwald3N3N0azZ6RU9sV1EtcGd5cURnOHBVZDE1VXdrbDJ6TVlKdGRqZFdQcHFJSnF4UVRwOEhPT0hVLTFzdzNJVjFsNFcwMDBDSVJIcVBTMThUMmQ0bXNZVUdjMXc?oc=5) · The Advocate
- 2025-09-24 [– Court News – - Teche Today](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9rY3BNUlR5eDBYYlA3TlM3aHFDaVZ4N0pXdnFaTXBHck5oZjl1elJDNk5HaEVoVzRTY3cweVB2LU1EUUNwZ0s5bDZyRkFQU1BmZ2VxRzZkNjFYRVl5SF84?oc=5) · Teche Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10532 (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/36.json (key "10532", 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