# COMMUNITY BANK OF TRENTON
TRENTON, IL · FDIC certificate 18889 · asset band <$300M · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $125.9M | |
| Deposits | $109.2M | |
| Loans and leases | $94.0M | |
| Total equity | $11.9M | |
| Loans / deposits | 84.87% (p71 of band) | 72.67% |
| Liquid assets / assets | 21.26% (p24 of band) | |
| Uninsured deposits / deposits | 6.80% (p7 of band) | 19.13% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.26% (p62 of band) | |
| FHLB advances / assets | 3.26% | |
| Tier 1 leverage | 10.34% (p32 of band) | 11.61% |
| Unrealized securities loss / equity | -9.77% (p51 of band) | -10.04% |
| AOCI / equity | 2.12% (p58 of band) | |
| ROA (annualized) | 1.34% (p66 of band) | 1.04% |
| Net interest margin | 3.24% (p27 of band) | 3.76% |
| Efficiency ratio | 58.85% (p28 of band) | |
| Noncurrent loans | 3.91% (p96 of band) | 0.31% |
| Net charge-offs (annualized) | -0.03% (p5 of band) | |
| Reserve coverage of noncurrent | 34.63% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 65.29% (p84 of band) | |
| Auto loans | $3.8M (4.01% of loans; DQ 3.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 3 | noncurrent p90, charge-offs p90 |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 3 | losing money |  |
| 2015-06 | 1 |  | reserve under noncurrent, losing money |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 3 | noncurrent p90 |  |
| 2016-03 | 4 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 3 |  | uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 3 |  | noncurrent p90 |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | uninsured deposits leaving | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 |  | noncurrent p90 |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | noncurrent p90 |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |

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

- 2026-06-08 [Lawsuits piling up against metro-east contractor that vanished from market - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1QcXBqeHd2MHR6Sml6WDdQa1V2SUlndVRNRzR6NEVqTTQ1TDZWS2JFRFV1dktCLUc3SlJoVWo5cDR4bUhqZG5HV1ZhRzdlaUhBc1VxSFBSWGgyWGVIeU5qNTJB0gFiQVVfeXFMTmNwc2dpMXlOWjF0ZXlZbXVzdXVqVkhIQlpod0UxMGFZdWd6TDNnZWlmVVo5eWkxWGpsWkNHdE1rZHhOZnhEcF82QWVGdUxmYWZUd2NqQmJfNmVrbHBHdGhQcFE?oc=5) · Belleville News-Democrat
- 2018-03-04 [Real Estate: What’s your neighbor’s home selling for? - Belleville News-Democrat](https://news.google.com/rss/articles/CBMicEFVX3lxTFBlcVBlWXlOTGxqM1IwZnBpbGJwWWxjTUxRWjVqeGlRaEhWeWw4ZW94THV5bW1JMkh5eExXTkVZTFpsSU5wY09Fd0JFckpoeEhBOWFFVVdkOUVYekstQUppc2hKUURXX2xwR0J1MWkxeELSAXBBVV95cUxNQmJYS2tFcVVKU0d6X3VsX2ZVMGNVU0VnUGstbVlXSWZUMHVHcERrUlhMUzN5MUtpMlItZlJNN0hKTFJCdUwySjBkRVJEaDd4d2FCRFZvNHVJZVFRVDdkRWNtTmM4N1NuVFJtYy1jdU9l?oc=5) · Belleville News-Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18889 (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/9.json (key "18889", 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