# COMMUNITY BANK
NOBLESVILLE, IN · FDIC certificate 13147 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $260.1M | |
| Deposits | $221.1M | |
| Loans and leases | $152.5M | |
| Total equity | $38.2M | |
| Loans / deposits | 67.44% (p44 of band) | 71.36% |
| Liquid assets / assets | 34.71% (p52 of band) | |
| Uninsured deposits / deposits | 18.94% (p74 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.84% (p87 of band) | 10.52% |
| Unrealized securities loss / equity | -2.59% (p13 of band) | 0.17% |
| AOCI / equity | 3.24% (p72 of band) | |
| ROA (annualized) | 1.30% (p77 of band) | 0.81% |
| Net interest margin | 3.73% (p54 of band) | 3.65% |
| Efficiency ratio | 68.04% (p37 of band) | |
| Noncurrent loans | 5.45% (p95 of band) | 0.86% |
| Net charge-offs (annualized) | -0.20% (p2 of band) | |
| Reserve coverage of noncurrent | 40.18% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 57.21% (p85 of band) | |
| Auto loans | $530,000 (0.35% of loans; DQ 0.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | construction >100% equity |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |

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

- 2026-09-06 [The hidden cost of losing your community bank: disruptive innovation - The Hill](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdllZLVp4cC1CNE5vdjg3SlZWYXdGZlRObF9CWXRTVjVCcnpfaEFQb1BGUVRIYUYzaTF2YmJibFQ1czdCaEdrQ2l4Zjh6bm0zQ3NzSXgtaWNndjUtdnZnYXVwNjBzWVNJLUpRWmtySm96SzIzclhILTdleno1LVJlTjZic9IBiAFBVV95cUxNOVNhS3V3LUxhWHlHUjRjZEwzQmVVdng4WEwwUElkamJRbUo2MFVWa0ZLQWNkMm9EQXhlT2JIQ0h1MU9LaUZUdTNMMG5WdUZERmMwa2VuV1dpYW5RVzdPTnQ4ZGlrSEFyVHdIQW1TcXhBTlBDLXA5YVdNYTEtOE9HZlRLNFo1SW1z?oc=5) · The Hill
- 2026-09-08 [Chime to Buy an Oklahoma Community Bank for $590 Million - Barron's](https://news.google.com/rss/articles/CBMicEFVX3lxTE1BcDZxVVFBODZaLUM5bl81bDBpMnhhbjZqQ0VXYUhNS3Rvay1wV2lGUkVwT1BfSy1kSG13NGxwTG1BN3NrczNaT2dhMDVpcUk5NWhyenY1SDJGYVNwQ0NWc2UyUUQ2Z1F6eTNvd3Fkb0M?oc=5) · Barron's
- 2026-09-08 [United Community Bank celebrates Heritage Crossing opening - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMioAFBVV95cUxPLTRTeV9GVnVuZFBVZndEY1lyLVZ2NlFBSTZ4YzVKV3dOZDFUX213REtvMkJmbkhlUjd4ZFhNMVF3eHVOcjJaZmNBQUZoNW8ycXZPME94bDZRSmljZXpYNU9hZTJjRGVTY2NFVHZhRXpRb19NN3BVOG9aMUoxMGF4NElpaGtzck5KOGtxRGdvXzFpWl9OOUpaUHN1WVg0ZVBw0gGoAUFVX3lxTFBBQzJ4YlQxTVo2TGl1ajB5TzMxMFBycUZ3eDFUc0RweUNQVU9IVmNkVVF1NTh2eGQ5OERGY2VaWWo0aGV1MTdfNEI4UWNyaHI5MWotQzJYOGx2ZzQxV1dZUVFja1dLWjlEUVM4OFFUMC1CWEhCTE50UVlfSnZQM292eFdIVUlZSEVobDJyQmd2WENMS05VUHcwTVlEX1lGbk9JcEFtcGdKRQ?oc=5) · Baton Rouge Business Report
- 2026-08-05 [Failed Bank Information for Community Bank and Trust - West Georgia, LaGrange, GA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVnhVTVVERFJtZll5a1lvUG83Qy1iZWpsYkdKMkRzWDB3emhHczEteWlza050aEhFN2lKdXNWaE9fRWg1QlFYb3BSTTJNbnQwOUh3YjdfZ25ha092LUp0VG8zVU5WNmNTNkdNTTRiZmk4NEh0cDdrNzJQYWpENVJoNGRiUklBUlZTTDJtYmdFRWFjbWM?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-09-09 [Community Bank N.A. Boosts Holdings in Salesforce Inc. $CRM - MarketBeat](https://news.google.com/rss/articles/CBMitwFBVV95cUxQR1hHQ2wwcE1sUGlLRGVmbG1EZ1c0YWtuN3ExXzgyTFBhMEJmVmsxUjFTY0tMcFI3Q1ZhZ3NHcC1jOWFPdk1IUjZZNU1jX3hDc3pNazItdHc2bV9mbWFiWGk2WHJBV0xxbDhxdmRld1dkSXBvazhwbER1RkRVLTA1OHUwN0R3bk5sNGlFcUlqbF9KXzV4TkFwUG5FbkJSWHk3RTh2QTd6VjZCc1MzdmRvQ19SYTdJZDA?oc=5) · MarketBeat
- 2026-09-09 [Tracy O. King named 2027 Mr. South Texas honoree - lmtonline.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOa051azR3MWZFWWdkNHB0OVJBUTlBcF9KVnlvNU9WeXdJa2FySkhvVGZpYU81dV9ZNlI4dWk2alhQdDNjcGJaVjh4Yzg3clpXa21qQkwzX0REYTBXYkRBOTdRaEd0WDlRSVpJREZVaXNfN01hVzhMcFVBTmlhTjYxNzNvUEtyVURoVW5QVmFn?oc=5) · lmtonline.com
- 2026-09-04 [Eastern New Mexico University Announces 2026 JP Stone Community Bank Rally on Main and Family Weekend Activities - Eastern New Mexico University](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdU1LUVFjQmdDZHBMX1RJV1FwMkRKOXhMTklLb09ncTI5MTA0SmJOUHRWdkM4RlRYQnFCY2ZGaEZkTldXazdCQ1lZX0EtMHFFM3UxODFJVUZCY1J2Z0VYZGlZMmNodm5fcE5hTHNzOGZZeHNYZnFSZ2lETFhTSjVlQU4xU2dldGRIU05uZ1ZBNUg5bnJISk9TNFBFRFd5aG9udGVqdzlpUQ?oc=5) · Eastern New Mexico University
- 2026-09-07 [First Community Bank, USAble Life, Conway Corp. Announce Promotions (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxNY3RoZjBzUG4yWF9nOHN0ZldHSXRnX3FyY0dFUlZhWi1WeEhFamdxMEhmeXZwaW1nNU0waGhraUdIY3VpeXZHNGhrOFluQmhlSWMzYXVOMlM0WTZ4b002Y09ZTTNja2ZXQzJKUlpxUDBqQzFlVmFzcm90WE9zQ3lscUw2OXJpTF9EblEwcmhsOERzZDRmVW1TY1IzOWg0ekJIZUJqSFlKNHduQkZ1MUVHeFJR?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13147 (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/27.json (key "13147", 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