# COMMUNITY BANK
ALTON, IA · FDIC certificate 14498 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $40.6M | |
| Deposits | $36.4M | |
| Loans and leases | $21.1M | |
| Total equity | $4.2M | |
| Loans / deposits | 57.13% (p26 of band) | 72.67% |
| Liquid assets / assets | 45.70% (p73 of band) | |
| Uninsured deposits / deposits | 13.13% (p49 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.77% (p35 of band) | 10.53% |
| Unrealized securities loss / equity | -1.70% (p13 of band) | 0.18% |
| AOCI / equity | -2.88% (p5 of band) | |
| ROA (annualized) | 0.38% (p21 of band) | 0.82% |
| Net interest margin | 3.76% (p59 of band) | 3.60% |
| Efficiency ratio | 89.78% (p84 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.74% |
| Net charge-offs (annualized) | 0.18% (p87 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 30% | |
| Construction % of loans | 4.30% (p27 of band) | |
| Auto loans | $1.1M (5.01% of loans; DQ 1.04%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 14 | |

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 2 | deposits shrinking, assets shrinking |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 | deposits shrinking |  |
| 2015-03 | 3 | expense ratio p90, charge-offs p90 |  |
| 2015-06 | 0 |  | deposits shrinking, expense ratio p90, charge-offs p90 |

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

- 2026-09-03 [Kansas community bank says merger will enable big Iowa push - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNajdFUjVzLW9tRVBoWEx5aEJNRVJpanR2RE1IQ3NJeU1OUEhiUldvYjdZWU1yMnVJa2tIbURodFhUdkEtNkxNeWxES0laRlM2eFpTOHd4bzBodWlFZWZWLVFSenJQWllkT0c5YlJJaDdHTUVQZEM4enhNbmNybEVFUGt3SDcwRF9mUmFFLW4xZUh3Njgyd2hjclRHOA?oc=5) · American Banker
- 2026-09-01 [NBA player Harrison Barnes invests $25 million to become owner of Iowa community bank - Yahoo Sports](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUmg3SktucHZCcjJlZU42NV9fNFBHam5tQWQ2YVVxelFaUjBsZVMxTlJmWDh0UlUyeC16TUE3ay14REI5RFhGU1U2ejdGcFhyMkVzNThQekNFVXd0aHo5d044aFBMSkJmdzFNR0R6N0ZsRXpxbUxvYzFyN253THpMQ0lMVWNDdEM1aGln?oc=5) · Yahoo Sports
- 2026-09-01 [Why San Antonio Spurs forward Harrison Barnes bought an Iowa bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeWRHaUl5YmhxLVNRMHhNNFJCLVBZdG0yU0V0TzJqdEc5ZzhjQmE0LXVNOGh4TXVjVnZNWHhPRzBnZFpQOGJlM1VJWUt5T1lQblFKdDdzOVRUaWl6ZjluUDBzemZQRXl4N3N1am9kd2tQSG1KamljeVZJMF9IaWZWSU9wbkZ3Y0lKU0ZNemhZSmM1S214ZGJxd0h4MXJxVEcwdHNQbkRXeGVmM0xsaTBB?oc=5) · San Antonio Express-News
- 2026-09-03 [Harrison Barnes Invests $25 Million to Buy Iowa Community Bank - The Black Chronicle](https://news.google.com/rss/articles/CBMinwFBVV95cUxNOHVDY3prWkpjZHNjSXF5RFpPcTF5Nk43aEJiaGpjeWZQclpZc3pZbGY1UzBVVHN6bkdKRVEyZzZjck5XMUdEVDY4cTkzbTEwMGNpRHoxVjZxRU1GeTZmU0ZqMk9ULW5IRURrWUN5OXhORWNkWC03ZUcxQTR5bVF4VGxJWFVxVVZNT04tWG1NT1V6N0IwOHEwLVBHQTgzRVk?oc=5) · The Black Chronicle
- 2026-08-31 [NBA Player Harrison Barnes Invests Millions in a Community Bank - The Root](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdHplaXdneE1aRkNYR20tNHgyX2gxTHUzMkZnVnFyWXU1ZkwyTU16SlpNN3J5VDJJS3NoS2dNR0tBZXRDYU42VTFiajlhMzFzTUVPLXl0WmlNR2NEc18tbG1HWnB5MktXWTVJZW1PUUxOd3ZpbzdzLU9hYkU3ZnRFZmRmdVA3WUd5dXlaM3IxNkl0Sl9H?oc=5) · The Root
- 2026-08-19 [Harrison Barnes is the Proud New Owner of Community State Bank in Paton - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQUd1bTB3LXFqcWo2TTk1RWM3ODhJN05hS25LazVva21MQV9URXlLV2VHOXRCZHhQRG5pdGVTbEk1aE85T3NuWmtGbWhoN05jZ2pSRUZZWUQyM2thdTZKdXZtRk50RUJIanVCMlJvanhZM1JVMUFFTE9pRzRaTnkxMTNXMHZZTlRVVlBCNktKV3A1VzBMWldZMGxDZzR2WFllUTZOendWcnEwODUydVl0YkFQZ3dNSXRuT2c?oc=5) · raccoonvalleyradio.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-13 [New CEO leads family community bank into next generation - SiouxFalls.Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMC1HalFkeS0zSzVKX2UxMnViUF93blpDbDR1WUVhbGcxcWFHMHhvTEstem1KcVJVVXk1bFYzcmxUZnpHMjQ4WDdfOUdmUnlEdzZ6amlReEd3OWkwaHhNSlJ2aHYtZkJ0bUlTSHJMaHV1UncxU3NRel9wU0Uxa2hjNXBHRFpkYlQxRlhXQUh3?oc=5) · SiouxFalls.Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14498 (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/34.json (key "14498", 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