# BRIDGE COMMUNITY BANK
MOUNT VERNON, IA · FDIC certificate 12717 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $141.1M | |
| Deposits | $116.7M | |
| Loans and leases | $98.8M | |
| Total equity | $22.4M | |
| Loans / deposits | 83.80% (p68 of band) | 73.59% |
| Liquid assets / assets | 19.63% (p21 of band) | |
| Uninsured deposits / deposits | 33.07% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p32 of band) | 11.76% |
| Unrealized securities loss / equity | -0.23% (p87 of band) | -6.57% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 1.26% (p56 of band) | 1.17% |
| Net interest margin | 4.91% (p88 of band) | 3.93% |
| Efficiency ratio | 44.72% (p7 of band) | |
| Noncurrent loans | 0.03% (p28 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 3700.00% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 8.32% (p35 of band) | |
| Auto loans | $2.3M (2.38% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 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 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 3 | capital falling, losing money, NIM <2.5% | charge-offs p90 |
| 2025-12 | 1 |  | capital falling, losing money |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

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

- 2025-01-13 [BankORION parent company to buy Bridge Community Bank - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNUpwdGRqbmJxblRIY1o2X3ozNmYybXNVOHMzbVVEbnMwTkF5WmM1OUdoNnBJc2lWS1g1cGlFeXp6dllqLXdLMjJ1OVJWZFNXZ3hqVjRoTzFJMnVVbXJBY1lZbUtnRmZJcXd6VHBoMFF5TFVodlBoaE9QMUxyVlFfa0tteUt1Vll2M3E1YzVB?oc=5) · Quad Cities Business Journal
- 2015-07-30 [As the U.S. Speeds Up Payments, Keep Your Eyes on These People - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNb19meXNzdmNrbEg3R2VZN3ZQWVBWMElUU2FfcWNncHVsa2x1b3FNbHg1cElzTWttbFdEWm1nTklQalEyMnN5M2szVDNnM2dBS1g1V3cxcDVWcG02Y0xra01aTmhmVnRRNjkxcW5COGs2eGY2djZaSGVSeWx6WDRpLXNucVdvNHF1YXdtbkVBdVhROFhvTy1GRF9Ca3Y3bkxQVUE?oc=5) · American Banker
- 2017-04-05 [ATM access at a touch of your smartphone is here in Des Moines - The Des Moines Register](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOT05kOHl2bWxsLW01RFJPUm9FbGs4QWExWUtHZEZHaUc5Nnd0aTJLbjlJUm5UMHBJZzYtbW5HUEdDNGNYSmJaakM1U3lRN1NNenBtOVNELVV1clBpMlRrTENWUk4taUtPdTlqcHo0RE5rUlVQLUVNUjhqcndoaUI2MWQ4QXVkalpvWnpIMEJOaGRnUkc0dm1pNmYtamIwSVhCOXVDT2dLSFp0al9hX1JMZDRWX3dwNUwzejFuVWppLVhoZw?oc=5) · The Des Moines Register
- 2025-04-04 [BankORION holds annual shareholders meeting - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigAFBVV95cUxPRFNTb0plSjFsQzhyaXVFU1J0RUJDcndSQXF3MklKT1NkUWxsbFgwa2pzTUhDVGNwMW14RFpYZFN2ZTFMTGI0dXNxTjhXeXloUEF2MHdwMG15N3NJbDhpZVVDWEJVYVRRQjFqM1MyY01xYjlFbEZtcVNTU0ZOVHFiVg?oc=5) · Quad Cities Business Journal
- 2026-08-04 [Open Payment Network Appoints Bob Steen as Strategic Advisor - manilatimes.net](https://news.google.com/rss/articles/CBMizwFBVV95cUxPZmZvZ2ZGemdwb1A5THAzeVluNjB5YzhHTG9hajJEUU1SZExzelNURl95UTlXQXpuTE5Mck9tczN3Sm9GRnFWUGt1UVlhWng5THZQWlNFVDBRQm1YVTJ4LVpzZE54WjVSR0tJMXlVdXpNUUZMQUVKeHpZMi1XSmlBa2Ric1BhQkZoeE8tUDlkZ2NzZ09PTzRuNi1YSXBQWEF0LXBIZkxTdnE3bVNKa1lrNEhUR2loVkFGSHNldV9VVEczMk5uUnc2aFJKeGhLZGvSAdQBQVVfeXFMUFgzYmVfSU1oU2V3VGc1Tlc3OXE0SkJQdjBNcFJORjNNWFpiWkJIQ2hkMlV3MnJSLUtlcWJtU0FXWmxCc3pibFJQMThidGJkV2Z0QWRhaWV0LUdzUk4zRmdjaUZ0SXRsSG5XeUVwdFcyS3M2aC1IYkQxa2RGQktmUF95bHJOUFJ0cV91WEZ4NVRnVGREUHE5ZVhab0RQNlUtbUVBSkN1dWY1THBSU1oyR3EzM1A2azI1YTQ1NkY5U1QtZGs5bXUyR1hWUDhHX0VEX0hpbTQ?oc=5) · manilatimes.net
- 2023-07-20 [The List Of First 35 Approved FedNow Providers - Crowdfund Insider](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdmVoN0lEbkwtcmlfMjEydDFNSVdlRFRiRmtXV0pnU2poTmM0TUo1MFZtU3JQWWRNUkdwcHhhbW12NVA5d2xBT3Y2aURlUGZZZWI3dXpOM2VRMTBxR1I5WXQ2WUFzcjRsSjRoYVlpLTB3eE1sbTlWTHlzV2JkdGprbGUyRU92QWNsZDVFTDBSWWJyUG1vOGg4OUtnNA?oc=5) · Crowdfund Insider
- 2026-04-22 [Dorothy Wendt Obituary (2026) - Mechanicsville, IA - The Gazette - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNEJPQUhNbmZiZVdfSEdEcno2elZQTkRIS0t6dXBvVmhJWTBDVmExRTFhdTJYd0VDcTBER2pfZmpOZnNlVV9vZU5WWDRRUFZZaUxER3RyekhuTnQxUW9RWUlYNjVRRGdKNjNCOE9kY2cxQnNQOVRhbEZvdlRXQnJoSnR4b0w1eDdYRi1meV9rRm8?oc=5) · legacy.com
- 2015-03-30 [The Road to Faster Payments: A Banker's Guide - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxQLVUzYUIxdmJQdVViUEgydTM1d2w4RnFNOFh6cWlpTm91bUJhZl9seHFaNEtBVFZPY3JWd2s3ZllsWjRGTEJBNF9SOWo1WVdUbUpxaUQ3dkxzYVFIY0duODhDNGRMTklSSldsenJodG9rNHlKTTA2VC16b2d3NjFQeFo3djBEZw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12717 (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/45.json (key "12717", 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