# COMMUNITY BANK
HOOPESTON, IL · FDIC certificate 12387 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $82.5M | |
| Deposits | $75.4M | |
| Loans and leases | $25.7M | |
| Total equity | $7.1M | |
| Loans / deposits | 33.70% (p7 of band) | 70.43% |
| Liquid assets / assets | 68.44% (p93 of band) | |
| Uninsured deposits / deposits | 17.27% (p68 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.90% (p7 of band) | 10.49% |
| Unrealized securities loss / equity | 0.04% (p21 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.42% (p25 of band) | 0.80% |
| Net interest margin | 1.97% (p3 of band) | 3.57% |
| Efficiency ratio | 80.75% (p67 of band) | |
| Noncurrent loans | 3.74% (p91 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 29.38% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $603,000 (2.35% of loans; DQ 1.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | NIM <2.5% |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 3 | assets shrinking |  |
| 2014-09 | 4 | reserve under noncurrent |  |
| 2014-12 | 2 |  | deposits shrinking, assets shrinking |
| 2015-03 | 3 | noncurrent p90 |  |

## 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=12387 (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/35.json (key "12387", 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