# CBBC BANK
MARYVILLE, TN · FDIC certificate 21227 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $562.1M | |
| Deposits | $478.8M | |
| Loans and leases | $321.3M | |
| Total equity | $65.1M | |
| Loans / deposits | 66.08% (p20 of band) | 82.04% |
| Liquid assets / assets | 40.76% (p83 of band) | |
| Uninsured deposits / deposits | 20.95% (p32 of band) | 25.97% |
| Brokered deposits | 0.89% | |
| Wholesale funding | 3.50% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.22% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -34.52% (p10 of band) | -8.10% |
| AOCI / equity | 0.41% (p91 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 3.72% (p39 of band) | 3.91% |
| Efficiency ratio | 58.73% (p42 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 27227.78% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 31.83% (p39 of band) | |
| Auto loans | $1.1M (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 79 | |

## 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 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | capital falling | charge-offs p90 |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 1 |  | capital falling, noncurrent p90 |
| 2012-12 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2013-03 | 2 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2013-06 | 3 | reserve under noncurrent |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | charge-offs p90 | reserve under noncurrent |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2023-10-27 [Police thwart attempted bank robbery in Maryville - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMimwFBVV95cUxNeE9rSFduN2JDRUgtbzh5YlpkT0QyTGNZbmNQbmx6d3RfdTlINTZjOWdpREw3NEpWbjZxV2dOQ19XaS14VEdTTHhncTJ4NnNsb01rdjZwTjF6ZXNzQUQyenR3THYxN2ROTk9mblNYUkNRZzJlUVJidU12UkxxQmhyVDhpSm9yR05US0s0dHZzUlZQT2h0bWNYTkpzVdIBoAFBVV95cUxNSEZXRUZJdVZUSFJxa0NJUzRIMy1zSXlnN1RYOWtTNUdCQ01nb0NRUGdpa21Ud2U3TklIb2M0N1h5WG01UUJNelVuWVl5NlVUYmJQYWkwaXFld2ZkTWN4T1VfOUhZVUtaOUZZV3Qwd0NneVZORVN0ZngzeE9SOG9GWks0ZWhxeGg2Wk9jMVhCSFBSLWR6MGVLdTVmREduRmVZ?oc=5) · WATE 6 On Your Side
- 2022-11-24 [David Howard named CBBC Bank Chief Credit Officer - The Daily Times](https://news.google.com/rss/articles/CBMizwFBVV95cUxNbU9xZ2ttaXhfME9iSDk2T05FQS1URHhocllkbklvQk53T3lFcWMwazdkZk1FWDFkOXJCeDQ4QXVzVXpkOFJFTmZ5T3EtdE1uSmJqRncxaTVSVGRIbHQ4UlBPM0c0TDd4RHRxUUFKalVGN24zTHNKeTFLTkVHd0VEREpDR0w4YjlXRkc0UDlrQktTMkhJYkMzUk4ybDFlNnZDMExOazNZVW9HM2stTDFDRS1paUVWYVhxRXNZT09PVkhidHZkM1loMW1sQmJhQ28?oc=5) · The Daily Times
- 2023-01-26 [Cash, loaded gun found in motorcycle wreck after Blount County bank robbery - WATE 6 On Your Side](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPblRkcVZXZnF3R3Rnb1NYTFBJZEdyazdTYVRtSFJGalRJVl85OG5kWHZsaXBDT2Y4ZUt2dVRZVHJWYzVWYjZ0eGJsaHN6anV3d1h1X2p2Y0ltTFQzVmxLNFlYeEJwS1hyRFN5Slk1S0dFY2JQSVhEWmZ6cnhsME4wNHR6MnBUTHpTMzFISWtDZlRkSGRfOTcxUnZ1b094ckE5TENlTFRya0o1d2fSAbABQVVfeXFMTjZHN3RVbDhyVXRZV3EzY2kyb2hGVUUyZ3Z5elUxNURrbDZZY0dnNjlrRXo1NllWbkR3TURIN04xSkJoZWU1N1laRkFadVd3S1hxWm5DUkk2aDNmaENIVU9KRk5IeVN6cm4zeXdteTN4Yk5CZDZVVll0R2NrVWNUaWctNndRUFRNRl9xalM2QmVaMUZxV1BlMEQ5WkkxdXVKcEZsdzhkdEo0UGR5NU1LYU4?oc=5) · WATE 6 On Your Side
- 2023-07-08 [Michael Hearon named new CEO of CBBC Bank - The Daily Times](https://news.google.com/rss/articles/CBMixAFBVV95cUxNOXNMSHJPdHVrY3paY1J1YlpmN3NCWWFYa2tzejVTemlOR1YzTHNEb1ZrVzZmRGRQQkM5MHN6eVdfNmNvZDA3ZkdOTWhTQk0tSWlZeUNjVzFpWks1UjRBT0NOY3F3LTd0UEU5ek5vUV81WXBrZjlRUHpENmI5WmJFanp3Z2FjTFhIbE1FbFAzTEJrVXFKSVlnaFVubjJvdzU4SFgyc2pjbW1jYnlQa3lMTnlWenNXVzF6N05ZTGpPRDE5QXNa?oc=5) · The Daily Times
- 2022-02-26 [CBBC promotes three long-serving employees into senior roles - The Daily Times](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQUm1wdGRjWF9IbE56OWFpSWR5ME1lbGo3d0E3Wmdhc2hnd0FlaGRKUGpEYUREZ240NGVkcVpNcEFINEZrWTJPemVsZjJRZThheE1FMWo2TDFTRFFkYlloajJHUVVSM2Fja3lhekRGbEVELUN0ay1OUjQzYjVLQ01lamFZWFBUUnVtTG0wT0NvLXZrckdrQm9uWW4zT0o0ZmM3cjVGNGtKUmx1cEJKb2p2d2VyeFUybXNzbnJ4NnNsRjVGQzVFajVtNzk4anNreTdxeUdJaUowWDRpd3pYcFE?oc=5) · The Daily Times
- 2017-08-11 [CBBC Bank promotes four members - The Daily Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxNSmFnUEMxT1ZOSW1DMGtDTEotUnBBVWJDWDU1cWNBLUFKTWRVeXhCZ21qLVBBd2k3RmxiR2lBTnBWWTRXbVYzUnM1bHNMcXFSU3g1OUx6akZPc0FiQU9qZ2pKQUxMOU1xYlc0SEtYblJ1aTRRdUxSdTlHMXJFRnk3YkhNOXJxdmRzR3ZKVXlFLVdTbXU5cnVveVFwTzFlNkNhNFNhd1VsdkJBN0lDNS1fYll4ZzNPV2FDVFZKMg?oc=5) · The Daily Times
- 2024-03-27 [Maryville bank robbery suspect intends guilty plea - The Daily Times](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPVW9iQTdTaHcwV2J5aXlrWnZxQU5lcG5xYnBEeW9ERUZDcVBzYjZ3THF3clZZelBkSnRYRHdyS0d2R0V2Z01FeURqYzdGX2o0bzI3MTV5OXlWUGhSekw4R1JVVG1nRTZ1LTAydmk4NHNXYVFmQXJLdEY5dTc3NG4teExxNUlqUllTSFFRMUpBOFZmdVJnSE9wbGNpMmJGSWs1TXV5WE9SSXJIeWhNQnFHRGFVMGZTVnZfbm5Sbm1UUzVINFRLcDdid2FRNTVfbmM3?oc=5) · The Daily Times
- 2023-02-02 [CBBC Bank robbery suspect pleads not guilty - The Daily Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxOQTB0NFJTbnZpU1diZkF3ZGFWWnN2LVA5T2w0YWJoMWx2dDNfQWY1bEt1QWpZMnF4QzM5SkM4Z1E4MFBXQWRUNl9Hb01wX25DWHoyNHpHNVpZbVZBcW9iVkdVck15OVF2aUltRkVyRURjY25hWmxGM2RHdlk1LXZVZXBSVnBqenNDZzZOclVnWmM3NWhjZXdqTmpTQ0pXUEtncW11YUdYaU5ZMmpIM2pfazVmeU9pcnZjS1lTY1Z5dWpnUnJ4UUYw?oc=5) · The Daily Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21227 (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/43.json (key "21227", 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