# COMMUNITY TRUST BANK
IRVINGTON, IL · FDIC certificate 13380 · asset band <$300M · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $107.4M | |
| Deposits | $97.2M | |
| Loans and leases | $37.6M | |
| Total equity | $9.4M | |
| Loans / deposits | 38.04% (p14 of band) | 65.69% |
| Liquid assets / assets | 59.21% (p84 of band) | |
| Uninsured deposits / deposits | 36.25% (p87 of band) | 20.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.16% (p65 of band) | 10.88% |
| Unrealized securities loss / equity | -42.22% (p31 of band) | -23.02% |
| AOCI / equity | -33.88% (p31 of band) | |
| ROA (annualized) | 0.63% (p29 of band) | 0.90% |
| Net interest margin | 3.11% (p38 of band) | 3.32% |
| Efficiency ratio | 76.88% (p71 of band) | |
| Noncurrent loans | 0.09% (p41 of band) | 0.19% |
| Net charge-offs (annualized) | 0.05% (p86 of band) | |
| Reserve coverage of noncurrent | 1641.18% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 5.08% (p27 of band) | |
| Auto loans | $109,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | deposits shrinking |  |
| 2014-09 | 1 |  | deposits shrinking |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 | uninsured deposits leaving | capital falling |
| 2015-06 | 5 | noncurrent p90, charge-offs p90, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-09 | 6 | uninsured deposits leaving |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 3 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 4 |  | uninsured deposits leaving |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 2 | uninsured deposits leaving | reserve under noncurrent, assets shrinking |
| 2017-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | charge-offs p90, uninsured deposits leaving | noncurrent p90 |
| 2019-12 | 2 |  | uninsured deposits leaving |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, noncurrent p90, reserve under noncurrent |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 3 | assets shrinking | charge-offs p90 |

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

- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2015-09-08 [Lester S. Pitchford Obituary - Visitation & Funeral Information - sutherlandfuneralhome.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9pbU4yamxXajlieTJKVWEtNkpyS3pVT19xNS1yeGFyMHpiZWQzRE8xREdZajFtODJWLTVDX21XdzltZmhNU0pzdl93dGhZNXdhNUw4dDFBczVyLXlMcUFvWnU4dmNadkF6TXA2cGFnQ1VmYlFhZ0FZeW8zUERKQQ?oc=5) · sutherlandfuneralhome.com
- 2024-01-11 [Former Transy baseball complex will soon become affordable housing development - Lexington Herald Leader](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOYWg0ZWNDQjJWWFcyekE5TG0yeEcxa0NJZzlNeFFvVkVzX3Y4Sk92MVZUWlo5d0JVSnlEc0tfVWF1WE0xcUNLd0ZhVWdOZUxscVpyMllBMGlaZFRQc0IydHJVT0QxeVNOOWp2SjE4TXhnTzBQQW81RlBDMkI2aGRPUlhmN1VMaWIt0gGIAUFVX3lxTE5IenBmSGNfRF84dzVpZ1ZHYkl1ZEJDU0daTF8xdVZ1U3BqTGw1Q29LYVktMU83NzFJV19rblpuWkROX05KVGxOT1psWWpJc3pjWXNQdHN3emcyRUkyNlJqNUxVV016cTdSak84cEdKb0VaeTFjTjVVQlI3czBnaUlURFB6c3ZUQU0?oc=5) · Lexington Herald Leader
- 2024-05-07 [2024 All-Commonwealth Team announced - WKYT](https://news.google.com/rss/articles/CBMieEFVX3lxTFA3SS1TQ0s4b0Y5dHB2SW5yc2c3UG80U0R5MW9XUThvUDlEZWNpdjVXTXNfamhLbzNSZVNSZjJJUWdobGpTWGUyS0VBSThSUDEyM3dIR2I2ZnNfbWVkWEM4OUF6dDdUZkpsbmJYUlE4N3RVeVduR3d3edIBjAFBVV95cUxNRUFVNFkwdExwdEJVQjFXRDFCWExyUTZ5UUw2c3dVb3hFYnhDRUgxdHF0bVRPcWIwVEdDMzdMTWNCdTJ3d3JHbVZFV05reGstMFQzZHVwMEhFT3pGb0FUOXMxR3FVcHJMUFNzZWxCN2p6dWRWMWtKeXdtQkpUd2JXOFZRMmFVRzdVRHA0RQ?oc=5) · WKYT
- 2025-02-24 [Richard R. Early Obituary (2025) - PORTSMOUTH, VA - B.W. Foster Funeral Home - Portsmouth - SMH.com.au](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeVpncUxtV0NzSnJyTlhmeHExdHpLZlNIa2VNWV9pRHVfX1owRGxWT0hVYUU3cDhidEZrX0g0QkZabjdRLXRXa2J3bjVQXzA5T0pIUmhLY1RQWTdReDUtNmNCNWdITFZVMlE0LWtOb0FkWlg4amJvU0ZEWXZSSkt2aU5YQUE4MV9TQ0ZSOWl3V1lFdXp3QXlTTg?oc=5) · SMH.com.au
- 2025-09-28 [Witches Night Out returns Oct. 10 - State-Journal](https://news.google.com/rss/articles/CBMiekFVX3lxTFAtbmtROW1JMXJKbXFmZlJ6RGxUcC10YVNaZVRwelFTZElieWVxVDloOW5XbTF2dVhzS0R5UHl0LVAwdGprbDZKUmVUWnpMWkcwNkZiaUVPNzZJc0ZtMl9sR09KMTRuYkJQZWRweTZHVjFKZGowSVdJeXln?oc=5) · State-Journal
- 2024-06-24 [Gary Lyman Creed - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9SQjM0R05DUnVEcGlqc0VTWEhHNk1HWFc5T2tfWGljanZudzJuZUVya2pQdTJrT3BNM2dzNG5sVHpNbnFlVmw3Q0dLWXhvNFh5VEtTakl6ZE5hRFdlUElUeEZoYUlndDVMZVM1akFCdjlZYk5QdURfQ0tTYWx3UQ?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13380 (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/4.json (key "13380", 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