# COMMUNITY BK A MA COOP BK
BROCKTON, MA · FDIC certificate 26396 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $317.4M | |
| Deposits | $273.8M | |
| Loans and leases | $228.1M | |
| Total equity | $15.7M | |
| Loans / deposits | 81.98% (p63 of band) | 75.94% |
| Liquid assets / assets | 22.63% (p30 of band) | |
| Uninsured deposits / deposits | 7.89% (p26 of band) | 12.76% |
| Brokered deposits | 1.24% | |
| Wholesale funding | 9.47% (p67 of band) | |
| FHLB advances / assets | 8.23% | |
| Tier 1 leverage | 4.84% (p3 of band) | 9.72% |
| Unrealized securities loss / equity | 2.10% (p29 of band) | 4.38% |
| AOCI / equity | 0.06% (p28 of band) | |
| ROA (annualized) | -0.58% (p4 of band) | 0.85% |
| Net interest margin | 3.15% (p19 of band) | 3.69% |
| Efficiency ratio | 117.08% (p99 of band) | |
| Noncurrent loans | 9.71% (p96 of band) | 1.75% |
| Net charge-offs (annualized) | 0.46% (p74 of band) | |
| Reserve coverage of noncurrent | 16.43% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 69.49% (p81 of band) | |
| Auto loans | $3.6M (1.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 66 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 8 | leverage <5% |  |
| 2012-09 | 8 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26396 (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/28.json (key "26396", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide