# CBT BANK
CLEARFIELD, PA · FDIC certificate 11116 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $503.2M | |
| Deposits | $438.4M | |
| Loans and leases | $394.8M | |
| Total equity | $57.1M | |
| Loans / deposits | 89.43% (p61 of band) | 85.45% |
| Liquid assets / assets | 15.08% (p22 of band) | |
| Uninsured deposits / deposits | 15.03% (p25 of band) | 21.11% |
| Brokered deposits | 3.92% | |
| Wholesale funding | 3.92% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.11% (p46 of band) | 10.27% |
| Unrealized securities loss / equity | 0.64% (p67 of band) | 0.09% |
| AOCI / equity | -0.08% (p2 of band) | |
| ROA (annualized) | 0.51% (p12 of band) | 0.96% |
| Net interest margin | 3.55% (p43 of band) | 3.65% |
| Efficiency ratio | 78.32% (p86 of band) | |
| Noncurrent loans | 0.52% (p46 of band) | 0.60% |
| Net charge-offs (annualized) | 0.48% (p96 of band) | |
| Reserve coverage of noncurrent | 134.25% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 19.33% (p27 of band) | |
| Auto loans | $2.4M (0.61% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 2 | charge-offs p90 |  |

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

- 2020-02-28 [Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1DLUZzX2k0bS0zZDJSZE9TWldfZDJJSTdLQVZDTEtXODQxUnYwaGJubmpzSnNMR1BGRVVsU0wwSHgzSXpQVGZrRF9ucEZVSmRUTk91SEZlMDhkbFJNX19VSlBB?oc=5) · Pennsylvania Business Central
- 2026-07-08 [Kish Bank names new senior vice president - - Lewistown Sentinel](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMG1fcDhodlc4dFcwTEE5dmowSm1wMEVLb0wyVklIQm1oekMwd2RBZ2hyTDFySVhIY0VKNGczOWhfZEtLeXhsZWN6TzE4RDR6VWhuQTk5RkEtNjZuUE5TVkkwdUhRWjBBVmxRNy1YR1FmNUlxWVB2WUFlNDVvT3J0LUktaGJ6eG9SbTJHMUJlb2dOUzdmVHN3dHVoQVZhanNfa1dSR0FiTQ?oc=5) · Lewistown Sentinel
- 2026-06-01 [Kish Bancorp, Inc. Welcomes Tracy Wilkinson as Chief Credit Officer; Ric Sarfert Sets Retirement Date - Business Wire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOUUEta1dpVjZrWTNYU2V5bTE0OGpMWHNBR043NW1YLWpQNlUyemF1endCQnJhenBZbEpNWEZqMjdIbzNrUE5VRXJQRjFwNmdpc25OUUZkTjhHT1J3RjVlYVpGVmJvYllPMnhHQ3h1ZkxRM3ZvdFpvdlFULU5LTGxHbFZIOUQxcXU4WUlVZ3RIVXRoclpwTTRCU1R3TS1HRlVxTnZxc3BCWDZwdFctWndWS3c4U1dSbU9lS2RQdFpwUDUyWXR3dXdqVzVFSG84eXVkNkh1TmNHaW9wR3doMjFKNUFsMzVDeWdhTmg4Rw?oc=5) · Business Wire
- 2026-07-30 [Kish Bancorp's New CFO Brings Over 30 Years in Community Banking - stocktitan.net](https://news.google.com/rss/articles/CBMitwFBVV95cUxQcURxVVZLaXJCQlRQSk1fT19MRjNaem1TSnJDR2t0VGxDMl9MNXNKY0NOS3kyVWhpMEtVQ29xT0lSYldReUxuTGR6S3VhcDJrbFI3X3dDc01TRUlLMDN2ZjFqcVJLZGFlSmlobW1KX2V5Z0Zyb3hkM3B5U1d5RFFRNWFtMHRCSGUxcFNFV09YTDZzZHVGRzE4S0pqUEg1WUxkTjNGYlYyMURUbXRSU2p4SWdyNVpRMEk?oc=5) · stocktitan.net
- 2025-09-28 [Ryan W Brenneman Obituary Sep 7, 2020 - finkandstonefh.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9hTElqSFk1NGF5bmR5SGE5QmhkdnlJUlNtQkYwQUswTG1LYWpJYXdVLWpnUEZIbDFsc2hDa0ZSTXpsbS1UTERLeGRpOGNtalMtLUIxZm1mUVBZRjRZN0QwRFdmaTZkWms?oc=5) · finkandstonefh.com
- 2021-06-30 [Mid Penn Bank to acquire Dauphin County bank - PennLive.com](https://news.google.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?oc=5) · PennLive.com
- 2024-06-21 [Harold Baker Obituary (2024) - Northern Cambria, PA - Findlay News | The Courier](https://news.google.com/rss/articles/CBMingFBVV95cUxQdkdsODc3bU1RVHpYc3N2QzZRS2kwTnBiQmlaeFJHQnZXVEFaRDAteVVpVGF4X2VoZXlHc29tdzBTMnhMTThQY0xKYjRPTEh1bHVKTDN4NjN2UEYtaWpiZ3BKT296dkZsalpyTEhjUWowQ2gwM1dKbXlSSkQtYld3OGNhdzROSl9lNjdOcVdWZ0Q5WlA4LU80bnhBRFN1UQ?oc=5) · Findlay News | The Courier
- 2019-02-22 [Riverview Bank - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMibEFVX3lxTFBiaTUxb0d6bUF4YXFDZG9DZnpaN0JBUTNkTWtRc1daeHMycUo0RFFBYllpOE1KQUlJcXo3TWZpWWkwMW5ZSjlsREY2ZDBMc3RLbmVMR0gtMXZBRFM1SHhKWHFCVWtRbmlqbGVLMg?oc=5) · Pennsylvania Business Central

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11116 (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/44.json (key "11116", 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