# COMMUNITY BANK OF SNYDER
SNYDER, TX · FDIC certificate 14776 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $106.5M | |
| Deposits | $93.0M | |
| Loans and leases | $33.3M | |
| Total equity | $7.8M | |
| Loans / deposits | 35.63% (p7 of band) | 76.58% |
| Liquid assets / assets | 67.42% (p94 of band) | |
| Uninsured deposits / deposits | 21.09% (p67 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.31% (p1 of band) | 11.42% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.65% |
| AOCI / equity | 3.78% (p67 of band) | |
| ROA (annualized) | 0.29% (p11 of band) | 1.01% |
| Net interest margin | 2.95% (p12 of band) | 3.82% |
| Efficiency ratio | 99.08% (p95 of band) | |
| Noncurrent loans | 0.24% (p35 of band) | 0.52% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 212.35% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 44.04% (p77 of band) | |
| Auto loans | $781,000 (2.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 | noncurrent p90 | capital falling |
| 2013-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2013-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2014-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 4 | losing money, NIM <2.5%, reserve under noncurrent |  |
| 2015-06 | 3 | charge-offs p90 | capital falling, NIM <2.5% |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 3 | deposits shrinking, assets shrinking | losing money |
| 2016-03 | 4 | losing money, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 1 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  | losing money |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | expense ratio p90, deposits shrinking |  |

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

- 2024-04-25 [Bank once described as smallest in US to be acquired - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTXpEYV9zdTRwdE1HOWhGU0VxWE9LZHl3V09qdHN5bUloclJERTJmWFdJRl9aQVFsbHl6WHNLdVQ4MGJqOF9JZ1phd09JU3NfMllDWjE4RWdvZ3RCNVRqUmttaWlCYktTdFE4cmtUejR3U21XdFlKblFaYjUtNVhYTFYxbjZoS0ZnNk1tLTlad3dPZTB2T2xvb3BMMllScGF3MlpZ?oc=5) · The Business Journals
- 2023-08-17 [DFW Bank Snapshot: Take a closer look at Oakwood Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQLUhHNEFGWTRVY1FubzJYWFhKUndxNDE0SGxrdUU5T29US0VfTUhyTmk3VGRrY3lWdVhLaWRmbUo4QU90aFptZ0dwM2lIYkZHc1pPY25iOWhsX000ak1nQXd5enB0TW1rRjVHVnp4TGJIcDh2TDU1MW01SzNSdWRuYmJfNUtmbFZJMG9wQ05KdXZsM1cxblE5bXJCcw?oc=5) · The Business Journals
- 2019-03-24 [View Max von Roeder's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZE1lNmNUUjcyYjB6NTNRbWpKVzFwXzQtVjBpaWZ0Yi0yc05XUlR1VTFteFJua29WOXlvNElYQ0lSTFFnUW1NOUQ0MWc2dlUwV1gxc3d2RlBRU1U5eWRpSU9IUWtiU0RBVlhaeEc4N28tWTNpeUpDQ0VWa1dQM0hGM0ZpSnpXYTBKUWJiQldFazdsTk9OakVIeFh4cEt4QmdBQXVIb09B?oc=5) · legacy.com
- 2024-04-29 [How serial bank builder Roy Salley struck deal for Oakwood after first merger attempt fizzled - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbGxQNHhqQk91UV9MOWEwczlmdFhSNlFFNjFwdWs5akM2dzY3U1dRQUxXcElLeE9TM0pEQmdiaEJEWGVIUUxPT0lkMnU0MkxMUVllc1RDV2dIMXA0N3FRczBycDRjcF9KaVZKbGN0bFFEZlliUTRua1pGN3Z0OHN5M2xsRE1Yd2hzcUJvU181QTV3RzdBQXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14776 (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/56.json (key "14776", 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