# COMMUNITY BANK
DUNLAP, IA · FDIC certificate 14649 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $138.3M | |
| Deposits | $122.7M | |
| Loans and leases | $96.2M | |
| Total equity | $15.0M | |
| Loans / deposits | 77.76% (p58 of band) | 73.59% |
| Liquid assets / assets | 27.32% (p37 of band) | |
| Uninsured deposits / deposits | 19.82% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.99% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -6.29% (p52 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.27% (p56 of band) | 1.17% |
| Net interest margin | 3.92% (p50 of band) | 3.93% |
| Efficiency ratio | 57.94% (p30 of band) | |
| Noncurrent loans | 0.28% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 291.88% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 5.49% (p30 of band) | |
| Auto loans | $2.2M (2.30% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 3 | securities losses >30% of equity |  |
| 2014-03 | 2 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 1 |  | reserve under noncurrent, capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  | assets shrinking |
| 2015-12 | 5 | charge-offs p90, assets shrinking |  |
| 2016-03 | 6 | losing money |  |
| 2016-06 | 5 |  | losing money |
| 2016-09 | 5 |  |  |
| 2016-12 | 2 |  | deposits shrinking, charge-offs p90, assets shrinking |
| 2017-03 | 2 | capital falling | uninsured deposits leaving |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 0 |  | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | reserve under noncurrent |
| 2026-06 | 2 | 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=14649 (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/57.json (key "14649", 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