# COMMUNITY BANK
ELLISVILLE, MS · FDIC certificate 11444 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $720.6M | |
| Deposits | $648.4M | |
| Loans and leases | $541.9M | |
| Total equity | $60.2M | |
| Loans / deposits | 82.83% (p45 of band) | 85.15% |
| Liquid assets / assets | 21.04% (p43 of band) | |
| Uninsured deposits / deposits | 20.17% (p44 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.13% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.45% (p8 of band) | 10.22% |
| Unrealized securities loss / equity | -1.85% (p23 of band) | -0.60% |
| AOCI / equity | -0.41% (p12 of band) | |
| ROA (annualized) | 1.04% (p62 of band) | 0.90% |
| Net interest margin | 3.86% (p63 of band) | 3.66% |
| Efficiency ratio | 57.99% (p23 of band) | |
| Noncurrent loans | 0.68% (p57 of band) | 0.54% |
| Net charge-offs (annualized) | 0.14% (p81 of band) | |
| Reserve coverage of noncurrent | 132.43% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 87.84% (p84 of band) | |
| Auto loans | $9.9M (1.83% of loans; DQ 6.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |

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

- 2026-01-05 [Community Bank Has Recently Surpassed $5 Billion in Assets - Mississippi Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxQTkNSMzVNNVg5aEdrVDVEWmN4YVhZbExaUjJDeERmQjh1QUpFcGN5U2pPUUhqZlpzQXZXT0l2RUdQc1NicGY1TWF5UVdYUHJsNEI5d3RuanZVLW9GUXpGeU1DQkRueV9SNWRtdHVyeDZ6TjZENl9vWktEbFB6WGJTbUpZanRobWREZHFhWDhlODMzdw?oc=5) · Mississippi Business Journal
- 2026-07-28 [Community Bank’s (NYSE:CBU) Q2 CY2026 Sales Beat Estimates - StockStory](https://news.google.com/rss/articles/CBMirwFBVV95cUxONkh1Y3NfTHVZLTEwaDRFckdCYm43REtlTUJFdUhRVUFnYnhWLTNXSG1RTE5PWWJYM1JjaHUzWGR2UkZaQmU3V2hoYTBxcXA0SjQ2U0hJN25JYVRCYzFoek5DeHFuX3ZOYXdGbGVaNWpLTDlvYUZkRHlQMVJWRXRVak51NUpQNi1DQlZrbDlvTUxvNE1pNkNXWVBmSEFrNjkyUUhxVVBmdmFXeXdsUVgw?oc=5) · StockStory
- 2026-08-05 [Community Bank (Ellisville, Mississippi) Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQ1dPQUwwNFBFR3RpeTBjR21UMHNCdmdIZGFsLWRmT05idG96U1oybk1xNjBNc2JWZi1tSWIycWVPYktsM1l0QU9jQnQxajBEX0pHWFA5ZFBJS0tZMkxvMkx6SG1tY0laWXE4YWQ1bWdLQlNFWjZiT2lsUkVoSk4wZ3pNTXBzN2RseWZrbF93?oc=5) · reveliolabs.com
- 2026-09-01 [The Federal Home Loan Bank of Dallas and Members Award $356K to 11 Mississippi Community Organizations - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxNWGsxMmp5QXNid0M2bzJtSGdJVGw3WG9OaW0wUDg5dTJCV2o3ZFQ1Q1ZTVmdRUnBWN21CR1p3OExkdGJfWEo1OUxZdFJzWTY3TWxYejJXclA3WHdPNEJqXzdmaE9ZbzdVdHFVOEdXYWRCLVlPZllJVl9VUkpQREhrd293T1JVVnBzYkZwUFl4d0ZuZDAydHc?oc=5) · Yahoo Finance
- 2026-02-05 [FHLB Dallas and Community Bank of Mississippi Award $150K Grant to Mission First Inc. in Jackson, Mississippi - Business Wire](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPcGFHa2xBMGxXV3RWLVZROGh6Q3MwTUtrcnFjTXFtVjFwY2JqZGF3VGRKWGNWalZuNktaOUxpRHJ1djhmQTRLcDNPdFBiN1dVOWplQ1dOaC1yaTU1MnJNNUtJYmozSDZqN241UDFnWTRJZmZ2blFzbEhEU29ubHhPUUs3RFh5WERQS1UwdGk0VWFjQ1VNcWM3LUdIV2U2RS0wNjBjcXRZbXZydHQxaUhYTVVybm0tMmU2T3c3TVBtZEFEYnhPRHh1TlhucjBlcnpiRWY1YW5WeXNpQU9uNTZFSWRnYndHZHdreXhFSFlsMGVKQ3Vsb1JoazY0SQ?oc=5) · Business Wire
- 2026-05-27 [Madison hosts final Swing Into Summer this season - Madison County Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxONi1KUFJKRDJmSFBuZWZqbHJSZVAxZUd0czk4cE5yNkl4QWtHSVhhU2JGNXk0U3luck1Eb192a1ZIZjJaS0xxYWoyZHBOYVMwTjh3Qk9JekJyX1hCTjE1WWJlczEwV255ZlVHYVBrQ2tfclNZRFRKZTBzVGtFcHdTbVQ3Sk1Tb0Zha2gyRllhTDFvdERleUNsZ3IyS09Hd3ZzMF95VGEzdFpPaXhVZ1ZxSGFfa0ViYl9fUG8yUDBrYkxUVVZ1cEpZNmZRT05TRDlNNThmWTFn?oc=5) · Madison County Journal
- 2025-10-29 [Brown named VP at Community Bank - Scott County Times](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9jeFFZQVRYMWEwSDJLZk9mbVJEREpLcHRhNUVxeE9jLWlKMVZlRmJGQTdKcFAyN3RKVUFaczJuQ0dZRmhMeEoxbEdzYTVMY0t1T0ZLMHpHR3VlNjJhbEgyQjJqYXY5QQ?oc=5) · Scott County Times
- 2025-10-27 [Huntington Bancshares Incorporated to Acquire Cadence Bank - Huntington Bancshares Incorporated (HBAN)](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZl9TTmdtRHdVY0dCSzZIMGtrUWhzc0xwWnhFYXpaUzRJdm10blFEcVNtTU55LVZubzcyVVN6aTdNeFlZb1g3V0lrWmZuSnh5Y3REVGxSRlo1eWRoLU9BWnZyenIxdjNxT2R5eUJvd29HZFY3UmNjenM2ME9HMWZqN0JlYUw3cmhlNDFZV05KcFZiVkJvSHprbzBiNTFlZm1sTDVRMW5jcEc4clhVUzQ0VUZYNGZqRTk2VWFsWHNENHJWTjd5M3BONA?oc=5) · Huntington Bancshares Incorporated (HBAN)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11444 (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/52.json (key "11444", 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