# COMMUNITY BANK INC
RONAN, MT · FDIC certificate 1979 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $174.9M | |
| Deposits | $149.5M | |
| Loans and leases | $92.9M | |
| Total equity | $20.9M | |
| Loans / deposits | 60.98% (p32 of band) | 71.50% |
| Liquid assets / assets | 41.01% (p64 of band) | |
| Uninsured deposits / deposits | 17.00% (p65 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.63% (p48 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 11.95% (p70 of band) | 10.45% |
| Unrealized securities loss / equity | -0.69% (p17 of band) | 0.49% |
| AOCI / equity | 2.44% (p60 of band) | |
| ROA (annualized) | 0.71% (p43 of band) | 0.81% |
| Net interest margin | 3.91% (p65 of band) | 3.66% |
| Efficiency ratio | 84.87% (p75 of band) | |
| Noncurrent loans | 2.90% (p86 of band) | 0.76% |
| Net charge-offs (annualized) | 0.10% (p66 of band) | |
| Reserve coverage of noncurrent | 63.66% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 34.11% (p71 of band) | |
| Auto loans | $925,000 (1.00% of loans; DQ 0.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 65 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | charge-offs p90 | losing money |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | deposits shrinking |  |
| 2013-12 | 2 | capital falling, reserve under noncurrent | deposits shrinking |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

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

- 2026-02-05 [Pendleton Community Bank $750K Overdraft Fee Settlement - Claim Depot](https://news.google.com/rss/articles/CBMiekFVX3lxTE1mUUhfQkV1R3Zxa2dlbTI0M3pGbGdNYk9oVlJWMm03ZTZoZ2dZVVRFdFV2OWt2Z19iNDdlVmdTMG5Fa00xLVhYM3JDZ0c0NFdRMDl1dkVYdjlRRWRyX1BieHBrMVpsaXViZVVKUnZtQzR5T3UtZl9qWTVn?oc=5) · Claim Depot
- 2023-05-02 [Kelley Kee named Tennessee state president at United Community Bank - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYmxOcWJhZnM0MndtZHR4OWJOajBDYlBlX3BSMmR0dVZqclp3QllDQ1pNZUlqQTRac1FJSy1vdmFRejQ2NEJZMDd2MjVNY2hWT1NJenBZcUk0R0g5Tm9vaXlfMFRlbjRxVW4wdGtWYUlhY190MS1IWkNfVXJhZGFHbElOcmsxaXl0Njc0M1NGM25IdHg1Q1hoLTRteVJ4MnNvMnh2OGJERkpzbVI1a0E?oc=5) · The Business Journals
- 2023-03-30 [Scott Preston named United Community Bank's division chief executive officer as David Johnson prepares to retire; others also changing banks - The Rome News-Tribune](https://news.google.com/rss/articles/CBMivAJBVV95cUxOM0NWUjNSMU9ldG1JVWxma3gwTHFLcWdVdmtCOU1jMmFDd3poV1dnUnJCcXFlZWRveVFuam5IdldtNTFZU1RSTGdsNk5DMGZXV1ZwNWJRd1ZXQWFCVnA2NU1hZHJHSHBOVXp5dV9CdjlFZnZ2VFlMQUZvNTE2ZnNuMVotRXl5cExCaWxXakdCODVYVDZub0ZOcEZGb3EteUdUYUpleVJpSUVYVlNScW5mV24td0c4WTNjTHVNTU9LMVlUeFFtREItRTZSWUFXY19mYWs4UlAtMVlsd3NrVFNpeGxZaEprMGJTMVdTUVBENGo2WkRaSXdRMXZVbWlGZnhPa3hQQkdUU0pJWS13bEx6eGg0TnZyeENJOXVJczQ4N0VlVGRrQllxek9XelExUUpSeFpVOHRFejZLbVdk?oc=5) · The Rome News-Tribune
- 2022-01-25 [Decline of US coal pressures banks at the core of community economies - S&P Global](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPb0JZdF9JN1NnaUFKOUkwdlJ4a2dQUHh0bms1VFZZbWpoVm5hSU5JNUJHRUxrLUFSRHBFMC1Wdmxpd2hJNzZjZUtWTEFCTFZrNmYtYU1ldmVic0U4ZU1feXh6aXZJS0VjUlF3dE9SZnFaMGtVdm55VjBpdWFMMnVkdlhKbVA3T1R3MjVTeDBqM0ZyVnN6MGZCTHllM1c2M0hLcFgyMkZBTnBzLXE4Y1U5VkVoanZJU0xTTl8zWllpX2NrQktyN0VOeHV3ZU91YUtjZXRJcklGaVd1cXN3Qkk0TjdaV2drN1Vja19Bcw?oc=5) · S&amp;P Global
- 2022-03-31 [ATM destroyed during heist at Provo bank - KUTV](https://news.google.com/rss/articles/CBMie0FVX3lxTE5GTWlWOHdTU0c1THY3emw1Qk9Gd3YyQm9FN09rMHpJTXJ0eXQySXJjX0hfUDZTLVUzWlZXN25ZcWlMcWhmRUF3S3lOUEdrb0pDemNfRDZ2VXcwb1drTzQteUZlZ3VpbC1wNFczU1hPVzRJN2lTam9VbmZ1OA?oc=5) · KUTV
- 2021-08-18 [Chase Bank branch boom continues with Greenville Main Street suite: Business notes - Post and Courier](https://news.google.com/rss/articles/CBMijwJBVV95cUxOOXF1Vy1pNnFjR3hjdUpGeFpqNnU2Zk9jXzl3V3N1azBCQ0RVYi1RNnZZNFBhS05qTzk4NGZQSk5iRHlneG9mS3hzdURRVUJ1TDNxUVNQWlBnU3JxWHd6QWw4QzQ4OUJVQndLR2lfbDl1V1R6SXNSa0tHQ3p5S3ZtQUZvQ2RwUjVDUzhtb3BtbDlEUWVTQUt0QVczMFp5LWNSQVVIaklvUEpVVVBxcXhKR2lKb2x1aHhaY01OZUozRlIyRnVlT19WSUFNWDNWNlp3U1hoMll5c2hlN1c3UlJldG43Y0ZUQkdoTUwwaTlQOXE4ODE1WEFvMVQtM3M2V0sxZWllaGgyQ29BdmZXbmdj?oc=5) · Post and Courier
- 2021-07-15 [W.Va. State Police release name of Greenbrier County robbery bank suspect - WCHS](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcklONDlMVHlJbktjMzFoaXV5UldLMi1SdHBRM0VzWlR4WE9fRUMzSVVyVGNMRUsyZjhhd0x6RE12S1VDT01kYkJhMG44dV9kM09EYVk4ZTM3ODM3QVg2M1dLTHR2d2Q3ckJVUDlBeVAwRUNXNUhCM1d6LVFma2NFc1hfa2pVbU1qYXppMjVWTkxkcm9t?oc=5) · WCHS
- 2025-03-23 [Wyoming County Courthouse News: March 16 through March 22 - The Real WV](https://news.google.com/rss/articles/CBMilAFBVV95cUxQYjJHaktFenlHVWloTE9wRENLSml6bzFDZ0tESkNnMzJaOHBCT01iaGVuT1E1X3R3VkhMZkhxd2hiSGlzMWxYUGZGWmE2VXY2Sk5tajlSZ3JsOFV3ZjRva0p0ejJvYkh1dS1KQ1htV1ZLRFZpWUxxc2ZTVWFkQ0tvOGJaajJGdE5ZTS1ra1lkcXYzVlNu?oc=5) · The Real WV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1979 (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/59.json (key "1979", 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