# COMMUNITY BANK
SANTA FE, NM · FDIC certificate 21000 · asset band <$300M · latest filing 2015-06 · 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 | $174.8M | |
| Deposits | $145.5M | |
| Loans and leases | $108.7M | |
| Total equity | $22.4M | |
| Loans / deposits | 72.53% (p50 of band) | 72.67% |
| Liquid assets / assets | 30.30% (p44 of band) | |
| Uninsured deposits / deposits | 22.47% (p81 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.78% (p54 of band) | |
| FHLB advances / assets | 2.60% | |
| Tier 1 leverage | 10.71% (p53 of band) | 10.53% |
| Unrealized securities loss / equity | 0.74% (p64 of band) | 0.18% |
| AOCI / equity | -0.08% (p56 of band) | |
| ROA (annualized) | 0.36% (p19 of band) | 0.82% |
| Net interest margin | 3.58% (p49 of band) | 3.60% |
| Efficiency ratio | 85.41% (p78 of band) | |
| Noncurrent loans | 3.84% (p93 of band) | 0.74% |
| Net charge-offs (annualized) | 0.02% (p59 of band) | |
| Reserve coverage of noncurrent | 75.40% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 37.35% (p74 of band) | |
| Auto loans | $27,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 42 | |

## 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 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2011-09 | 3 | reserve under noncurrent |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, reserve under noncurrent |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2013-03 | 3 |  | uninsured deposits leaving |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | capital falling, noncurrent p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |

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

- 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
- 2026-03-19 [Anderson students compete in national community bank case study competition - UNM Newsroom](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZHZIb2F2eU50ZGhySEY0WGdtYUVfdFB0TlBwZ2pXeFFiZ0ZHZXZ6RU9vcnlGbEhvV0d0TlFmWGp0bk9NVXNYcjJqdHE0VnA0aElFMkxHaWlFbGg3cnBRTE5ZU2t3OVZJT2toLVFfRGVhT3ZWYVhVMkxpbldmLU94dVhnMGlNdkstS0Uwb21JU1JERTRBSmxZTlhPX3VUVWZVS2xr?oc=5) · UNM Newsroom
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-14 [FHLB Dallas and Community Bank of Louisiana Support Family-Owned Septic Services Provider with Small Business Boost Loan - Business Wire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOYXY5a2pUbThkSWVDUzFLZ1RRb1NudjVkTU5PNWdBNXBxdnl4WkRncWxvWXQtVW9TMXhZR1ZkT1VKOFpnM1ViVVE3azMxT3pTMDdwbHIzLWRDLVlsbVJwZHdFWjJHTFRKTFd2LURsUk00YXdkTFUteC11UE1ENDRMdFlfTDBYbEE4bWlvZWRpUFJCRFMtNFU5aXh3ZmhtS1ZvMm96UUdwaFhhOHNsekxidjZXc1BhWUhmR0txRHVSMVltMTFIQjA5Z1VnZnYweVNVQlZ4LWY1N0pMNDZHR1RjTmcya041VFNPbTZQUDBJM2ZLS1hrTXgxZ2lnOWltTzdwYlRpdXJGY08?oc=5) · Business Wire
- 2026-08-13 [Capra Bank set to open second New Mexico branch - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPaC1iVGtlcThYR1pZeHNsY24tWlZjTVlVUEl5ZUgycmI2WWNjT1h3dkwwMTB0RXgzdHg1U1Q2MHJxUGNtamhLbktDZUVINFRzSEFkSTk5Y2U3WDRDaVZGZlBYWV80Ry1PT0pLbmlfZzVTTUp4RmZBT3VfRUFXTHFNZk1CMzBGaVQwaHVQVUdkSURhdEpERDZDSXlXTUQ3ang0bk1aS0pOOXQ?oc=5) · The Business Journals
- 2021-10-27 [Four Corners Community Bank Selects Upstart for Personal Lending - Upstart](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMXlSWkRGUkRVdEh4b0RsSXJoSWtkZlppSGhrMWdoaEIwdlpXVEw5Wnk5OG90WTJzWkhmLU8tZjFudVV6b3I2d0E0ZDdTeWpWWTZWc3p3UEtmNUxzLXlodkZabl8yUXdKRHdFa2ZvbzNpTkFVVWZzT3Etbnp4UzF0SlJnc01EMEpOVWdxX1R6LWFfOGxhdUF5UHgwSzJ2RWwwQm4yYXJMX0hOTGtiLWtRSHZ1cTNPcXhSTnpF?oc=5) · Upstart
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2026-08-05 [Century Bank interim CEO Myers emphasizes community focus amid leadership changes - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdTRycmJnaTBaY1NFOHB0QndKekp5ck5Ed01WdEx6SW4tSjdmSlpzdjVNUWx3RGs1TTdHalhLUGxzcHB5NlFGdjA5eXE2c2pUb3BPU3pWWFYyMTYwNzdrZ3V6VWh2aXpaMjIxTDF6d2w4VU9RSnNnRHVEUmFjT0Z6VDhxcnBrcUxydDRj?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21000 (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/8.json (key "21000", 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