# COMMUNITY BANK
JOSEPH, OR · FDIC certificate 17445 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $529.2M | |
| Deposits | $496.3M | |
| Loans and leases | $135.0M | |
| Total equity | $29.5M | |
| Loans / deposits | 26.85% (p1 of band) | 80.20% |
| Liquid assets / assets | 72.20% (p98 of band) | |
| Uninsured deposits / deposits | 19.79% (p30 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.23% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.55% (p31 of band) | 10.44% |
| Unrealized securities loss / equity | -82.89% (p4 of band) | -13.25% |
| AOCI / equity | 14.90% (p99 of band) | |
| ROA (annualized) | 0.93% (p44 of band) | 1.02% |
| Net interest margin | 3.04% (p24 of band) | 3.54% |
| Efficiency ratio | 72.05% (p66 of band) | |
| Noncurrent loans | 0.78% (p71 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p49 of band) | |
| Reserve coverage of noncurrent | 162.67% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 1.46% (p5 of band) | |
| Auto loans | $48,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | expense ratio p90 |  |
| 2013-09 | 1 |  | expense ratio p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 3 | noncurrent p90 |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling | noncurrent p90 |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 2 | capital falling, expense ratio p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | NIM <2.5% |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, expense ratio p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 3 |  | assets shrinking |
| 2024-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |

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

- 2026-09-06 [The hidden cost of losing your community bank: disruptive innovation - The Hill](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdllZLVp4cC1CNE5vdjg3SlZWYXdGZlRObF9CWXRTVjVCcnpfaEFQb1BGUVRIYUYzaTF2YmJibFQ1czdCaEdrQ2l4Zjh6bm0zQ3NzSXgtaWNndjUtdnZnYXVwNjBzWVNJLUpRWmtySm96SzIzclhILTdleno1LVJlTjZic9IBiAFBVV95cUxNOVNhS3V3LUxhWHlHUjRjZEwzQmVVdng4WEwwUElkamJRbUo2MFVWa0ZLQWNkMm9EQXhlT2JIQ0h1MU9LaUZUdTNMMG5WdUZERmMwa2VuV1dpYW5RVzdPTnQ4ZGlrSEFyVHdIQW1TcXhBTlBDLXA5YVdNYTEtOE9HZlRLNFo1SW1z?oc=5) · The Hill
- 2026-09-08 [Chime to Buy an Oklahoma Community Bank for $590 Million - Barron's](https://news.google.com/rss/articles/CBMicEFVX3lxTE1BcDZxVVFBODZaLUM5bl81bDBpMnhhbjZqQ0VXYUhNS3Rvay1wV2lGUkVwT1BfSy1kSG13NGxwTG1BN3NrczNaT2dhMDVpcUk5NWhyenY1SDJGYVNwQ0NWc2UyUUQ2Z1F6eTNvd3Fkb0M?oc=5) · Barron's
- 2026-09-08 [United Community Bank celebrates Heritage Crossing opening - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMioAFBVV95cUxPLTRTeV9GVnVuZFBVZndEY1lyLVZ2NlFBSTZ4YzVKV3dOZDFUX213REtvMkJmbkhlUjd4ZFhNMVF3eHVOcjJaZmNBQUZoNW8ycXZPME94bDZRSmljZXpYNU9hZTJjRGVTY2NFVHZhRXpRb19NN3BVOG9aMUoxMGF4NElpaGtzck5KOGtxRGdvXzFpWl9OOUpaUHN1WVg0ZVBw0gGoAUFVX3lxTFBBQzJ4YlQxTVo2TGl1ajB5TzMxMFBycUZ3eDFUc0RweUNQVU9IVmNkVVF1NTh2eGQ5OERGY2VaWWo0aGV1MTdfNEI4UWNyaHI5MWotQzJYOGx2ZzQxV1dZUVFja1dLWjlEUVM4OFFUMC1CWEhCTE50UVlfSnZQM292eFdIVUlZSEVobDJyQmd2WENMS05VUHcwTVlEX1lGbk9JcEFtcGdKRQ?oc=5) · Baton Rouge Business Report
- 2026-08-05 [Failed Bank Information for Community Bank and Trust - West Georgia, LaGrange, GA - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVnhVTVVERFJtZll5a1lvUG83Qy1iZWpsYkdKMkRzWDB3emhHczEteWlza050aEhFN2lKdXNWaE9fRWg1QlFYb3BSTTJNbnQwOUh3YjdfZ25ha092LUp0VG8zVU5WNmNTNkdNTTRiZmk4NEh0cDdrNzJQYWpENVJoNGRiUklBUlZTTDJtYmdFRWFjbWM?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-09-09 [Tracy O. King named 2027 Mr. South Texas honoree - Laredo Morning Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxOa051azR3MWZFWWdkNHB0OVJBUTlBcF9KVnlvNU9WeXdJa2FySkhvVGZpYU81dV9ZNlI4dWk2alhQdDNjcGJaVjh4Yzg3clpXa21qQkwzX0REYTBXYkRBOTdRaEd0WDlRSVpJREZVaXNfN01hVzhMcFVBTmlhTjYxNzNvUEtyVURoVW5QVmFn?oc=5) · Laredo Morning Times
- 2026-09-04 [Eastern New Mexico University Announces 2026 JP Stone Community Bank Rally on Main and Family Weekend Activities - Eastern New Mexico University](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdU1LUVFjQmdDZHBMX1RJV1FwMkRKOXhMTklLb09ncTI5MTA0SmJOUHRWdkM4RlRYQnFCY2ZGaEZkTldXazdCQ1lZX0EtMHFFM3UxODFJVUZCY1J2Z0VYZGlZMmNodm5fcE5hTHNzOGZZeHNYZnFSZ2lETFhTSjVlQU4xU2dldGRIU05uZ1ZBNUg5bnJISk9TNFBFRFd5aG9udGVqdzlpUQ?oc=5) · Eastern New Mexico University
- 2026-09-09 [Community Bank N.A. Boosts Holdings in Salesforce Inc. $CRM - MarketBeat](https://news.google.com/rss/articles/CBMitwFBVV95cUxQR1hHQ2wwcE1sUGlLRGVmbG1EZ1c0YWtuN3ExXzgyTFBhMEJmVmsxUjFTY0tMcFI3Q1ZhZ3NHcC1jOWFPdk1IUjZZNU1jX3hDc3pNazItdHc2bV9mbWFiWGk2WHJBV0xxbDhxdmRld1dkSXBvazhwbER1RkRVLTA1OHUwN0R3bk5sNGlFcUlqbF9KXzV4TkFwUG5FbkJSWHk3RTh2QTd6VjZCc1MzdmRvQ19SYTdJZDA?oc=5) · MarketBeat
- 2026-09-08 [ASBH IPO News - Hawaiian community bank American Savings Bank sets terms for $120 million IPO - renaissancecapital.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQdDlNOG5wYlZ4UlNZcWxLNFBNeERKSDN1UGx3NEl5VG8tTEFXWU9oYzdSOFM2T0NXVlZaQnFxOEl6OFg5bzE4OWJiRmlMZ1otU3F0ckp0cnF4TTl3V2c4UEtUWmNENVM3UEJ1M3NmbWNHYXdrRm5sS2FlNE1pUEpmdjNKaWJjdkdLa1MtdXk2MFNKZmFoY3lTY240cVlYT1hkOTBWbUJzbE5zOE9WRm9EbkpuQWhXZUdtdjVTaFViVmwzbGR3YXdxOV93?oc=5) · renaissancecapital.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17445 (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/37.json (key "17445", 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