# COMMUNITY POINT BANK
RUSSELLVILLE, MO · FDIC certificate 14604 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $259.7M | |
| Deposits | $227.4M | |
| Loans and leases | $214.6M | |
| Total equity | $19.7M | |
| Loans / deposits | 93.24% (p85 of band) | 73.59% |
| Liquid assets / assets | 14.47% (p11 of band) | |
| Uninsured deposits / deposits | 16.99% (p39 of band) | 19.81% |
| Brokered deposits | 0.31% | |
| Wholesale funding | 4.93% (p73 of band) | |
| FHLB advances / assets | 4.62% | |
| Tier 1 leverage | 8.20% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -7.76% (p47 of band) | -6.57% |
| AOCI / equity | -0.86% (p31 of band) | |
| ROA (annualized) | 1.70% (p76 of band) | 1.17% |
| Net interest margin | 3.77% (p42 of band) | 3.93% |
| Efficiency ratio | 44.58% (p7 of band) | |
| Noncurrent loans | 0.07% (p31 of band) | 0.36% |
| Net charge-offs (annualized) | 0.12% (p88 of band) | |
| Reserve coverage of noncurrent | 1782.39% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 64.00% (p86 of band) | |
| Auto loans | $4.2M (1.95% of loans; DQ 2.91%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 25 | |

## 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 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 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 | 1 | charge-offs p90 |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 | charge-offs p90 | capital falling |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2025-01-23 [Marilyn Alice Brandt - Trimble Funeral Homes](https://news.google.com/rss/articles/CBMiZkFVX3lxTE85ZUNibXhjVFdRZHBPazd0cTBiV1kyTkMzaWlNS09HZGZsbEhpSU02UVY1dmJuMTJqQ2lCOE1tRnFGTThHcVNNM0t3NDZrTjl1MFBmdW5MZ0s0b1p1Rmk1cE54ZHBvZw?oc=5) · Trimble Funeral Homes
- 2019-02-12 [CSPI Announces Full Integration with jXchange™ - PR Newswire](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZm9YOEFIYzFFUnJGSWhxbmMwd091QzQzM0dxZDRpSlV5d3l3c0xJVFVuRTNMVjZ3VEtjZEhBSjItYUVlVVdaNHpMb2JmQ0tjX2d5LWxlXzk3WE5CcU5xZF9kVGZPSFcwY3diaFdBemtHTjhmVjZuWEs3TzRXTUc2Z0JHNVlKUlZWR2J0aFRrUjJ1Yy1aOUZybGJSZmJyanlyRjBB?oc=5) · PR Newswire
- 2025-11-11 [Obituary information for Marvin "Bud" Jungmeyer - Millard Family Chapels](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbXBpdkRtWjk5TTlpV2VPTW9PQlhTbl9Od0tWdXV6OWdnVTBHWHBCb2ZGUS1seHV5bElGRGdMOWszVk1MZXpIMFFUbU5Ub2d2RENFUk9TOHhCZHRQR21KeXZ6OFo5SURvbFN4RnVpX1N4am95dk5kT29hNFkyd2NjZmJSdXU?oc=5) · Millard Family Chapels
- 2025-11-14 [Karen Ann Meller - Trimble Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5OVlBhZm5TTzRtOTJ0blJFcEtHdDJtc05kSzMySnMzWXFZZ1lsVTQ4bHNlNHdCZnlXTC1nczlqRWhTMHZRQzl3Q0xkREVYblZhdjZ2Q1pmVWdUNkgyLUpHNw?oc=5) · Trimble Funeral Homes
- 2023-05-21 [New local history book focuses on rural communities along the Moreau River - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcHVfN1JPQlh5VWhRemU2SHd2Qkl3d2w2VktoNFpXeWhRUGVtOHNXMzkyTzIxQkQ0VHExXzlfaGJMUHVUamZ1R2dJa052MURjbkdkWU5kbnFGVGF4dVNFWTVTMDdvckZuN1VYWjdkOTBjQjF0TUlzT1E2Q1FOSUxWT0FqdXpFTHVnNGxPWEF3?oc=5) · Jefferson City News Tribune
- 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
- 2014-08-02 [Eddie Winters - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORHhwNFF2S3BnektWVzZrZGZnNVlWUVhhMUNUUFZ2ZlpXWVpOcUI3SUxfdThPWm9ZVGotRGQtZ05QWVQwVElSX0VCZDFKTGlUSHMzNzYwYnRTT2E5anhmNDh6aVBKLUFsRERUeTEtaGUtTTd6N2dJQlNoX2hYSVB6UHhRbkg2RHlJZWEzWlFoNm1uVEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14604 (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/12.json (key "14604", 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