# COMMUNITY BANK
WINSLOW, IL · FDIC certificate 10791 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $310.8M | |
| Deposits | $210.7M | |
| Loans and leases | $217.1M | |
| Total equity | $45.0M | |
| Loans / deposits | 102.12% (p91 of band) | 82.04% |
| Liquid assets / assets | 27.33% (p57 of band) | |
| Uninsured deposits / deposits | 16.37% (p16 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.05% (p90 of band) | |
| FHLB advances / assets | 17.05% | |
| Tier 1 leverage | 16.02% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -10.11% (p43 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 1.46% (p62 of band) | 1.28% |
| Net interest margin | 2.91% (p8 of band) | 3.91% |
| Efficiency ratio | 48.64% (p15 of band) | |
| Noncurrent loans | 1.50% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | -0.04% (p3 of band) | |
| Reserve coverage of noncurrent | 60.33% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 2.26% (p6 of band) | |
| Auto loans | $2.7M (1.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |
| 2016-12 | 2 | capital falling, charge-offs p90 |  |
| 2017-03 | 0 |  | capital falling, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 | wholesale funding >15% | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | wholesale funding >15% |
| 2020-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2020-06 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2021-09 | 1 |  | deposits shrinking |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 3 | loans exceed deposits, deposits shrinking | reserve under noncurrent |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | loans exceed deposits |
| 2024-12 | 3 | capital falling, reserve under noncurrent |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 3 | loans exceed deposits |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | uninsured deposits leaving |  |
| 2026-03 | 3 |  | uninsured deposits leaving |
| 2026-06 | 3 |  |  |

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

- 2026-04-27 [Generations Community Bank opens in Indianapolis, marking a historic milestone for Indiana - Mirror Indy](https://news.google.com/rss/articles/CBMieEFVX3lxTFBteTZTNHNma3Y4aHRnRVhZNExKemE2czZZYjhIMEZ6dlNnc01EVnV6dUFhME1Ubm5EdGNac0Fpa3NKMlk0cGZYQlY5LVBvczllZXVpcnR3d0EyLXFsV1p4WlQ3NmNZVUloMnVFOS1UeTMwV3k0a25qag?oc=5) · Mirror Indy
- 2026-05-22 [Amerant names new CEO, Illinois community banks agree to merge - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPVTR3Y0MwdWlXejI3VkNYWG5sVlBaS3JkZ2dhLURLY1k3bC00a2JjVFRLdHFVcmVMellnZE9aWURfTmY5U3hMdE1rZTlWTE9YcXgwVWg3dkUwMTRMcTlDdjJ2N2t4S3dZX2hPWGE3UWsxN3lIa2hON1JlOHJwTTVmeTFseW9RemhkM0ZsNVozRnIxbDZlelZaWFNFc0p1dw?oc=5) · American Banker
- 2026-05-15 [Generations Community Bank Celebrates Grand Opening in Indianapolis - Building Indiana Business](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSmJvRXZNWTVScXRRTUpRRUxnM3A1VlIyamYtYlBuNnhXTkZERmZDU2JVWUMxSFJsc0JIV1drV2s1NUl5Mkl0QzlaZmNSVG1SdUU0SFJVeTY4SVZKakxqYmVGZ0o4RU9oZHpXUk1NcmI5YXFYa2dpQU5jU3pkcTVVdFl2UUFKZFdWUmJuQlVYT3R5d3AyWl9jTXBuWVNhdmdmY1hNV2kyRU9HZWtqbWc?oc=5) · Building Indiana Business
- 2026-08-20 [Pontiac Bancorp, Inc. has agreed to acquire Ottawa Bancorp, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbFR5RnNYLVlHQ2pkd09lQzcyQm9jS28wTU5IMWpHNUctd2g0cUFfQzBncjFUZlR2em4wbFRqSmZubnNkTFdwVldMcERmZW52bDh6MGlNcGVqMF9hMERUdERnZzJoT2p2alVyVEN3OEstaEpZTFVLcVE0Q2hNM1VvUUhqSWtQRk14cko5Umk2U2NRYkpzalBtQm9xLXd2WHd6YXB3RGt2dEMwS2U4QkZBVGUxOXg1aGRmcU4xWWVzd0F3N1NJOU16YUNVWW0?oc=5) · GlobeNewswire
- 2026-05-01 ['We want to empower you' | Indiana's only minority-owned depository institution opens on Indianapolis' north side - WTHR](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNTjU4VTJwaXBwNDRjMDNtWGpOU2ZyM1J1dnpNX2hoNzlFRmRNblRHSThiWlhEemljUGZfT0N5dWd6TjRRb043WTJFdzdDLWFQbjFNbWNqbzB1TkQwU25HLXRGcFhEcVpfQlE4ZnFMTWt4MW1jQmMzMElHdTBpT3hrMmFxYXdBTEhoaEtVeVNRaTkyN05CWVpSbkxWWDQ2MDlqcm4yWkRpZS1ZWjlMSFF6MGpveS1pNnVTOTJKZEgzSm9hZlpqdGlGMjllVzRSeVR0RmJ5MkRJcmV2c0N3QW1zZDk0WjVVdG0weElvVXdPZG0xQlN5dTh0WlFuSHc?oc=5) · WTHR
- 2026-06-14 [In new role, a veteran banker touts need for 'one unified vision' of Bloomington-Normal's future - WGLT](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNenh1bC11WmZRUlVvRUNfZ1NXX3BBY1MyaDZ2QmNMZm9fdnVxNGE4SWctaU0zN2ZqaHRINTJwQVpKOTRwd2M4Qk1hSjVKM0pTMVFhRTU4U1dlLXhLMmJkQXU2ZW16UnNoNWpLOGxHSHlvdmtPUkZqd3dNN1lFSWpwMW5UR3FSSmpUN1lPTTNYbTNFcWR0aFpRTndlZVp3UHVwZTdHOENRSVVmWUFQbkZXajJEY2ZPaG9lR1kxRlpfUFNLSW9SSnowZmM4Mlk0NEtz?oc=5) · WGLT
- 2026-03-07 [Longview, Middletown State Bank to merge April 27 in Illinois - The State Journal-Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeDl4Q0JZQ3BYUDVtYU80LTAzRWd6aUlPaHlNS0t5MU9BTjAyLVR5RHEyUUxOR1A5TTNoWEZZYllCSnctM285bXNnZHVVZ2NUSDc1Mzg4UzFIVnkyMVE0aUdDVy02UFNfMGU2MG1wZmRiLWlYRVgzODh3TDhFbjNrWVpydkFXeGZ0NF9LZDZrRXpOVTBwcnVnN0U1SkRsdE5lb3lxR0tOcVQxMGR6bW9nZ0pFZWcyeEJz?oc=5) · The State Journal-Register
- 2026-07-13 [1 or more suspects sought after cash stolen from Peoria bank ATM - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMingFBVV95cUxQOHZnWjk4eTJWdmpRVUFsclJ6QnMyTFhQLTZDVnM0TWc2TGY4NVpnM0N3aGdhTWJST0RublRSR3pqdDVONjc1bV9ONVVsTlh0RUwzUHpLaDhJV0U4VHUwYzBsUWItS3BST29sRFlOcnVseUp1SEZuTmFjSGtIMTZQOWZlcHZqOFBmdGQweUY2OENhdmhHWXRjbzQtU3dXUdIBsgFBVV95cUxQOXBSVWNINU82TUZuVEFELVEyWTdFOUFtcnNFa1B1cjMyYmJ2WUctc05ySTBZdTNLcW9QTEdhZkF2TnJpZTJsOF94dG9mQ3hyb1dKNDlmSzRRZ05NWVRKUkRHcmtUNXJ4UWhoa0VXaDI1RDJxenRpM2NiUUE2SEFGNTB1d1NVQUd2NWNocllFM19kQTFueUgxV0c0c29uQTJwMmJOUE1YX3JrcHZZQXJKdmRn?oc=5) · WEEK | 25 News Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10791 (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/39.json (key "10791", 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