# COMMUNITY BANK OF LOUISIANA
MANSFIELD, LA · FDIC certificate 13951 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $852.9M | |
| Deposits | $791.6M | |
| Loans and leases | $281.1M | |
| Total equity | $58.9M | |
| Loans / deposits | 35.32% (p2 of band) | 82.04% |
| Liquid assets / assets | 63.90% (p97 of band) | |
| Uninsured deposits / deposits | 59.06% (p98 of band) | 25.97% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 0.73% (p32 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.13% (p38 of band) | 10.81% |
| Unrealized securities loss / equity | -77.02% (p2 of band) | -8.10% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.56% (p67 of band) | 1.28% |
| Net interest margin | 3.08% (p12 of band) | 3.91% |
| Efficiency ratio | 54.63% (p29 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 6408.70% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 61.02% (p65 of band) | |
| Auto loans | $569,000 (0.20% of loans; DQ 0.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 117 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 2 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 0 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 | uninsured deposits >50% | charge-offs p90 |
| 2016-03 | 1 | reserve under noncurrent | uninsured deposits >50% |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2017-03 | 1 |  | uninsured deposits >50% |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits >50% |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | capital falling | uninsured deposits >50% |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling |
| 2020-12 | 1 | uninsured deposits >50% |  |
| 2021-03 | 0 |  | uninsured deposits >50% |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | uninsured deposits >50% | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits >50% |
| 2022-06 | 4 | uninsured deposits >50%, construction >100% equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 4 | NIM <2.5% |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 5 | reserve under noncurrent | capital falling |
| 2024-12 | 3 |  | construction >100% equity, NIM <2.5% |
| 2025-03 | 4 | construction >100% equity, assets shrinking | reserve under noncurrent |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 |  | construction >100% equity, assets shrinking |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | reserve under noncurrent |  |
| 2026-06 | 2 |  | reserve under noncurrent |

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

- 2026-07-27 [Community Bank of Louisiana to build new Shreveport branch - KTALnews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcHhDaFNhRzlxbVQ1bUFJZTZDc2poNlZQb1RqQzdtVHFwTXo4QjhKZmRib2R3RE5SbllmWjZ1b3I1bFBFd1ljRkIyUnJIQV9wSmVSSm5XYV9sV0V3YzhlODlWeHJYVmFzeFFaNWpxdEhEUVhsMUQ2Yk56TGpuWVZJOVBPSTVsQ0hKTkd5UE02dkHSAZYBQVVfeXFMTkRVZEhhbjdsOTdGRExzNUd6b0luaUlkdWF3ZGpxdzJOUkJuOWNZVDN1VVFObTl6NHJvQnFUelpjend0Tk1JR2hyaEFpMWJmY24ybVhsajN4d3dRNVFqUjJVdHJDSU04Ynh3cHpCV1N2ZFpMN0ZtYVlxT1JOTzR5aDBlYXpkZXhZdDNMOFpTRndnNS12ek5B?oc=5) · KTALnews.com
- 2026-07-09 [Eighty-eight rising bank leaders advance knowledge at Louisiana Tech's School of Banking - Louisiana Tech University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdnN2TEdIRENHV2NHZnNXSnFFMmQ0b1ZfM0cwSzNrdHZLeWkyZGJsd1dsaENMclUxdzNZX1F4UzRRVHZWR2wwYVY2TklEZmZ3NV94X3RmWHBIVWFZSlBuSEtaaHBheDZsUVNsOExfa000X1ppTU05TXIyeWk0WjB6S1dWWXJQNVpMTHRMSjRubEpTME5NOEdia0FnVEZ4cWdrSzlRTmMtQnVUVHZHcmNEd0lYQUFYczFLWk04?oc=5) · Louisiana Tech University
- 2026-07-14 [FHLB Dallas and Community Bank of Louisiana Support Family-Owned Septic Services Provider with Small Business Boost Loan - Business Wire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOYXY5a2pUbThkSWVDUzFLZ1RRb1NudjVkTU5PNWdBNXBxdnl4WkRncWxvWXQtVW9TMXhZR1ZkT1VKOFpnM1ViVVE3azMxT3pTMDdwbHIzLWRDLVlsbVJwZHdFWjJHTFRKTFd2LURsUk00YXdkTFUteC11UE1ENDRMdFlfTDBYbEE4bWlvZWRpUFJCRFMtNFU5aXh3ZmhtS1ZvMm96UUdwaFhhOHNsekxidjZXc1BhWUhmR0txRHVSMVltMTFIQjA5Z1VnZnYweVNVQlZ4LWY1N0pMNDZHR1RjTmcya041VFNPbTZQUDBJM2ZLS1hrTXgxZ2lnOWltTzdwYlRpdXJGY08?oc=5) · Business Wire
- 2026-07-27 [Community Bank of Louisiana to build new South Shreveport location - KTBS 3](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPOTF1dF92cDkwaGZRZWFhT2hRclk5a1FfRS1yRU9Ob2NqRVI5ZS1hbHZMeVMxQmJXdWZMNXVmXzFpdmk0NXNGQWE3NXVqMzlJRFdZOFlzaFpUMjJCdVh0V1JRX3lTemRGQ09NejRXTVlLeEpucGlxVUZxV0pUejBQeGllNVp3OW5sOU5yVEROUmctcFY5SnlBLWpqalJxSHNCU1E4YVhhNWtLRUt2ODR5RE1xMjhEckEwUlVvNENhN0lReTRDa1h5ZHRILUU2U2QxSW5N?oc=5) · KTBS 3
- 2026-04-07 [Northwest Louisiana banker chosen to lead banking association education arm - shreveportbossieradvocate.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOX19XMFo5SXhuX3dBQ3ZWMWFsVWJRNmMtZXg5cTk0MHZOVGJ0T1UwaTR2eEJVNEtZaEhmV21kY3V1Qm5TUE1zV2ZBWnpoQmJxWTFiWXZoZXl5blRybmx2U1ZWcXZaUTZyaVJ5YTRaMnRPR1Q0THFFMkx1UlFTUndubUsydndzOEQ2ZHpKMjJlaW9ieDgwYUZUbE50UXlRb3l0TmRLZlFIcGd0QW9XYXNwcFROOWxVRmhTT1ZPVUVyNi1OMUpqbk85T0tPdXlXNlV6ajZSMVkxcWdaVzcwMEE0ZEZxM2oxZm1JQnBjeWtkZ2NIbjZORHRSWWtGQ3h0akM3?oc=5) · shreveportbossieradvocate.com
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2022-09-07 [Patricia "Patty" Tyler Obituary (2022) - Mansfield, LA - Rose-Neath Funeral Home - Mansfield Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxONlZqOU8wajNBRy12Z2dMZVJBNGpNWUJMLXYtNThTbkZ3VTE4Sl83cklCOGY4RGdRNmhCZnZsWnBheGxwblJRNm1UbUtlWW1rcHM3TEszaTlNSGtIQkZYeERBaVRjX3lETXdmS2Q0UmtwbDBOTmdYMzIzb3RQRlg1VVZMaw?oc=5) · legacy.com
- 2019-02-13 [Robyn Foster Obituary - Shreveport, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOMk5ZTWc4NGltOG5vMVJyUjJlSlRPVGVxVFpWSldsUGVMNmVoOHBpaTRoell6cVd5TDdGUEpsMjVwbkN2UDd4THpjcTZjbkZpUjJpNllzYWZnTzdrcUN5V0dlbFpiTHhOREJ4YXczQmktTkV6eTA0djd2UXpCUndmT0JUaw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13951 (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/63.json (key "13951", 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