# COMMERCIAL BANK
NELSON, NE · FDIC certificate 12246 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $56.5M | |
| Deposits | $47.0M | |
| Loans and leases | $39.1M | |
| Total equity | $7.8M | |
| Loans / deposits | 82.05% (p65 of band) | 73.59% |
| Liquid assets / assets | 29.58% (p43 of band) | |
| Uninsured deposits / deposits | 47.31% (p96 of band) | 19.81% |
| Brokered deposits | 20.37% | |
| Wholesale funding | 23.02% (p97 of band) | |
| FHLB advances / assets | 2.66% | |
| Tier 1 leverage | 15.24% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -24.89% (p18 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 1.05% (p42 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 67.25% (p54 of band) | |
| Noncurrent loans | 3.06% (p92 of band) | 0.36% |
| Net charge-offs (annualized) | 0.17% (p91 of band) | |
| Reserve coverage of noncurrent | 43.19% | |
| Real estate % of loans | 25% | |
| Construction % of loans | 9.99% (p38 of band) | |
| Auto loans | $481,000 (1.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | wholesale funding >15%, deposits shrinking |  |
| 2016-03 | 1 | capital falling | wholesale funding >15%, deposits shrinking |
| 2016-06 | 2 | brokered >10% |  |
| 2016-09 | 3 | wholesale funding >15% |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | capital falling, wholesale funding >15% |
| 2017-06 | 0 |  | brokered >10% |
| 2017-09 | 2 | brokered >10%, wholesale funding >15% |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | capital falling, deposits shrinking |  |
| 2018-12 | 2 |  | capital falling, deposits shrinking |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | uninsured deposits >50% |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | uninsured deposits >50% |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 4 | assets shrinking | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 5 | uninsured deposits >50%, charge-offs p90 | assets shrinking |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | deposits shrinking | securities losses >30% of equity |
| 2024-12 | 6 | securities losses >30% of equity, assets shrinking |  |
| 2025-03 | 5 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2025-06 | 7 | deposits shrinking, assets shrinking |  |
| 2025-09 | 5 |  | securities losses >30% of equity, deposits shrinking |
| 2025-12 | 5 | reserve under noncurrent | assets shrinking |
| 2026-03 | 4 |  | charge-offs p90 |
| 2026-06 | 7 | noncurrent p90, charge-offs p90, deposits shrinking, uninsured deposits leaving | uninsured deposits >50% |

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

- 2026-04-23 [First Citizens Bank to Expand Commercial Solutions and Align Brand Names in Q4 2026 - Silicon Valley Bank](https://news.google.com/rss/articles/CBMivwFBVV95cUxPLXRBQlcxTGJVa0V1SW1DUGRwQlExOVNsNTktbWNmQ213ZXR6cEhEOW5uX1REVDlRcmZZaU5pX2lOMHdFX1Zva1FCYzlOMTR3NXNGaThXR0twbFpfa2MweFI0WGE4c1NXMWpmXzc2a0x4SjJ2QWg1MzZ0Vl9ab0FQMENWQzBfUU5SM2FGTnFtdWUtdGVidXdTMUllaVcwdnZ2YzRHR0xONnRLQWVIQ1R2T2dmV2RlUXBoOWEzT200QQ?oc=5) · Silicon Valley Bank
- 2026-06-19 [Commercial Bank of California aims to be 'new kid on the block' in San Francisco - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQb3NDZmp3VWczSDVTV09OU1RPUWo5c1RkMmxPeEV4Q2Zza0pKdkN6TktIZG1RMmtfU3lob3c4Tk05XzdCbjd3U25YUE0tdVdvdzA2dFM5eTFSQVUxRnBRZDZ4MEpEdGE5YnRyQnNHTTVyc2p0RWQtaV9RdHdSVXdJYXo5N2ViLU1DNnB1WkFFUmhtSC11UHl3c1BHdWVERTBXX1NOUmRNVUYxYjA?oc=5) · The Business Journals
- 2026-09-02 [Donald Trump mistakes Bank of Canada for retail bank - CBC](https://news.google.com/rss/articles/CBMihwFBVV95cUxPT19MMkhrVjJOdk5pSnpmM01TSjZMNzJ5LUstcHhoNk0tM1lQWUtPR1BXLW1OZDh1dHR5d0h5LTJoTjZCSXp5aVUxR1RYc1NjZ2tkUzRkUHhDNWpVZGlTNGlabFBVcFFmNnhpbVRrdURiNjYtdkY2bEZhbW5EZHh0QTNiNlAzUkE?oc=5) · CBC
- 2026-05-04 [Metropolitan Commercial Bank Expands Government Banking Platform in New Jersey with Addition of Brian Turano and Tom Kasper - Business Wire](https://news.google.com/rss/articles/CBMijAJBVV95cUxQcFVBNm5IaTJxVEVmbWxPV1U2R1VmaFc5R3g4MTJ2RU1wR2xfR3lzN1g3M3NSTW00S045N2Z0bFpqY1NYc1lYUGVnOElqRXgwOF9NaHpfbXZVaDhZNGUxdmxCMmlXVWQ4eFh3R0d4TWFKUXYzSmNSdExvRmpremdKTXpOSTBUM1FWTTR3MTJ0dFpRaHF3N0IxSXE1clJQeWVVOV9tN2JaYXVZS3lOQnB1dDh0OVcwR0JERDBlWGRfRjhCSjNxRVRULUs2bzJ2cnYwaXdwMDlrRjFfdDN1QmdYdlVIQVY5OW1henhSWERiUXhGT1FmU0J3SzZpYno2UGgxN0pDWHVyTEF6TDU2?oc=5) · Business Wire
- 2026-01-21 [IDB Bank Appoints Park as President of Commercial Banking - ABF Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQjdFMUFld2tSdTYxTmROUnhzbEJKVV9nWVJUazZaR1Vfbkx4LV8ycl9adW9vY29TMmpYMHVGVTItVm9LTndhMWtzbGtDUWMyamFMSlBYNnNfcERiQTI1Y0dKX001TEl0T1dtaVBLMXVaUldVd2hQTXdQNjh6eVlBT0tFcW9OMTJ0MU1TVmZB?oc=5) · ABF Journal
- 2026-08-22 [Commercial Bank of Ceylon deputy chair, global MD visiting Dhaka - New Age BD](https://news.google.com/rss/articles/CBMirAFBVV95cUxObDRfa2hPRjZ4cE0yZmdhb1FySkF2SHlHWWFzQ3dzb0NJTkQ3dkNSVVdZVV82SDg4SUFYX1hfVUdZdzliakZlU1FWSnV0MXVNWEtZNTd5ZlI2dTdqUDRpczlRazRSYXMtci1VbTYwVzVvQ204dDdOaERuY2xkRTJCamJhcHlGVHZwdE9lX1lLNHB3QUJvREpfUnZMcmJ6NE1SZkMwcGFaYkFnMHJj?oc=5) · New Age BD
- 2026-07-24 [Chinese Banks Break With Lending Benchmark in Pricing New Credit - Bloomberg.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNeVF0QV93TGM2bEFYNlJVYTdvSE9YUTEtVFhkYzNmWWtFVWEyNWJsVFc4eTVsTnAxSkpGNG1VWEpJaEFvYnNGVXIwaW1WZ3lManRSRmpwQjFUUFRFVVFsclVZVEo0V0szekk1YTNjblA1R3VzTWZfTUNTaGFsQTBrNzVxQ3dsSmFwTm82OGtOdjI3eG9pY0MzbGMtdWtiRG1LTk9HeDlqYTNjbU0zM2liX0pGWUhwUQ?oc=5) · Bloomberg.com
- 2026-01-20 [IDB Bank Appoints David Park as President of Commercial Banking - PR Newswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNQmtfZFllMkJ1WnhNYkl0UWRaYXMybGtOdzdfUklSTE9aUVZKcWVJRGxvcW5HVXZsNzRBTmlIVkJScXVRNmstVFRqTjBXQld2VWp5OXM2VVVLeXBtODRpM0F1S2RTT2hLc21COUhueG5HdUhkbE52alRvOTcxQm1EWlpiZHRvX3VybWxxN1pFMkc3WXgxc21IYXlLaGlzSkF3UFRNT051MFZIZ1RaZmpBOFJJOUN3TDZiaDlz?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12246 (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/22.json (key "12246", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide