# COMMUNITY FINANCIAL BANK
PRENTICE, WI · FDIC certificate 27053 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $46.0M | |
| Deposits | $40.0M | |
| Loans and leases | $34.5M | |
| Total equity | $5.9M | |
| Loans / deposits | 85.24% (p79 of band) | 65.77% |
| Liquid assets / assets | 23.96% (p23 of band) | |
| Uninsured deposits / deposits | 2.55% (p1 of band) | 19.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.57% (p67 of band) | 10.97% |
| Unrealized securities loss / equity | 0.00% (p96 of band) | -19.70% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 1.13% (p57 of band) | 1.01% |
| Net interest margin | 4.41% (p83 of band) | 3.56% |
| Efficiency ratio | 66.49% (p47 of band) | |
| Noncurrent loans | 0.16% (p47 of band) | 0.18% |
| Net charge-offs (annualized) | 0.00% (p49 of band) | |
| Reserve coverage of noncurrent | 716.67% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 91.14% (p88 of band) | |
| Auto loans | $300,000 (0.87% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.8% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | charge-offs p90 |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, noncurrent p90 |  |
| 2013-06 | 7 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2013-09 | 5 |  | noncurrent p90, losing money |
| 2013-12 | 4 |  | reserve under noncurrent |
| 2014-03 | 5 | capital falling, losing money | deposits shrinking |
| 2014-06 | 2 |  | assets shrinking, uninsured deposits leaving, capital falling |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2015-03 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2015-09 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | capital falling | reserve under noncurrent |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | expense ratio p90, losing money |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 |  | deposits shrinking |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 0 |  | uninsured deposits leaving, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | construction >100% equity |  |
| 2023-03 | 2 | deposits shrinking | construction >100% equity |

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

- 2022-11-17 [Citizens State Bank to acquire Community Financial Bank - WEAU](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVGgxX2dNYVlvaV93bWVHb214MmxfQ0JJeGNlVzlXOHVnWmFwRGZFaDRud2pZWmZMNDBhZWMxNHBTeUVhQ1lpY3gyeURXby05eklUMDFMNUtlTTMyd3kyNHNoeFlCSTQweWthU1B5MmhsaDlGWXpLeXZIbHd4Z2ZIWkY5Q013bVBSV3htdGRB0gGiAUFVX3lxTFBGR1NiVTNZT0ladU0xTjdZNUJoSjBCMXRQTXhWRlRhRmVGNzlqQVpBRE5oeWJxdUJnWnRqdzJOeHVNUEZjbVN0V0IzUGowbnZ2TzhyTjhwT2pNMVNNekJUdERiNWFaOXljSjR4U2tLd0xGNkhwSVg3LUV4eWJnNDV0eWdhU3hsbjRCUTJyb0NmWXVKb2FXUUpDTGItY2xZYlBFQQ?oc=5) · WEAU
- 2023-04-12 [Community Financial Bank to merge into and under Citizens State Bank - WEAU](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZ242VHYteGY1dGg3WlpBcVNVd2lJWlFmbUE5bHZhUFRwSXB6cVJxeHpDNXd5M0tYRUhRcC13dktnbm5xbUdoQWtIZ3NaN1NsYkk4X1ljUkk1OUxwTTVoR290MGpQSVRfSE9XVUtIdXNaaFo1bWNlR2E4MWJKMFB1dGtGMXZyZWJncGEwbWpvMUJhMS1zOVBqN2ZR0gGuAUFVX3lxTFBBWFBKdzZFLWtqbHlabkkta1hqUmZ0LWYwRTlOcHFYb0pWVExxbU1kRmhmODZic19OZFNHZ2Z3bDJXU2NPalh2MWg1WktNb2FtdGVGSnpKd3p4dG1KOVhzVjJSUmk4d0J0a1pLbU9JbmwwZmxfZC1OQVRvRTk2S2VZNGVuYVVYRndwZGRJajJpenlwSnptdG1jYkkxMVJBZzMtQWUtNmg5NVRheVZVQQ?oc=5) · WEAU
- 2019-06-27 [Manitowoc business news: County Bancorp adds Patrick Roe, Jacob Eisen to board - Herald Times Reporter](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQenNsS3VRSFF1MUR5SW9WODJ5TWt0WVVidmpJU2NFMS1Bal9KbzRmN2hkVV9YYXRaSU9aaDd5VXJ0TDNLdHRnOHRpUnVEZEdUY1NmRmRyZjB6UWZ6ZmJnZU9EVVlQc3BsdkIyVGhHX0FVekFsaVM1QjE1OUlaRDNDZkdkNHVzeWxmY3hQWlgwa2poYkg2VVRrbVpFV0ttODF5cUNTWGN1VDlYTHRqcTlLMEZUNGtyYUJWblFsR1VjRXVlTklxdzM4b01HbXplSWgwZTZpTGJGdTdhc2JJNUJYTUhpTXRicmNuZ3c?oc=5) · Herald Times Reporter
- 2019-01-16 [Funeral set for Saturday for boy killed in Ogema house fire - WSAW](https://news.google.com/rss/articles/CBMirAFBVV95cUxOc3RzVEpBNnRyWDJVWTRiLUx1ajdMWVpFVDRYME9LRF9WSWFkcHNvaXdoNU05UEY0ODU3RW90LVR5M1dIb29Sc1Uwa0RfM1NpcGg4UXhhOUp3TzNNWHB4eTRscFNPajdfdjNpQ3VjWVFSbXJUdXdnY3F4Zm1oU2g2SnEySThFOE9obm9OLUthUUNqWmpiaVlTREhSclAxSVM0Zm5BNEhHNXUwdG1N?oc=5) · WSAW
- 2016-06-24 [Stratford High School: Top 2016 graduates - Wausau Daily Herald](https://news.google.com/rss/articles/CBMinAFBVV95cUxNUDhUejZFY3F4TTRpTGhxd2o3YXFCYXVZUDJMM1dGMXJBVlBCdmsyTjBaY1B3bVFiMDktb1lvQkNVZ2hhLVkzOUxVaWJVaktFOWs2MXB3VGhxdDA0WW9JS09KN3lRUC14MVU4TV9vcF9laUhhYXpzWExpSnEzZ3JCRm03MUlGenpvYzJ0RHBQaHUtWjNhXzJiT0FLQWM?oc=5) · Wausau Daily Herald
- 2012-11-06 [G.A. Miller ground-breaking in Prentice - apg-wi.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQdkowWFB0dzh6RVE2OE5qSXM5R191TGUwVlRRVDdoaFVZRlhXdXpic2c5S0tQbFdhdmlPUFBpMk5XVHhnTG8xbmZfb1hKSElUbmFpX2hydXRzV2tPTnNBbzNZUjZEb1RtOFlkMmhYWG0tbkNDZ2dMY0xpSUthUEJST2x2blAweGFLOC1XLUJDdzRDOUJqaXV0eFkzRUNMV2JPSnZnSlNVMm1mX3pQeDRwc2k3M3VDWExDVjFSdU5teUlnT24zdGtGdi1fZzRHVUdCUld0b3ZWbFlNYjJZakE?oc=5) · apg-wi.com
- 2022-01-12 [Manitowoc venue scores design award and local credit union has a new CEO | Streetwise - Herald Times Reporter](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOdGRkMkU3RVkyOGlBRkd1ODVfUXJNMVhFOVk0TDlCUmhQQWI3WlNHWFR6OG8wNVJCVElORGduRkQ2OUxaZHhMNDF2b1NCeU5zMEs4Z3NkLXVNc3NkWUEwXzJGN2c5ZWdPWlhhVUE3RkVwX2RzR1BVN1RibmplWE84RDZIRHY1b3RsU0JJWXBpR3F3VHljdmRPX09FSzNDWkN5TjVyWFNiVXFHUUkwYVV3NU41a3B0Ylp0SjUwWUVnV0Y?oc=5) · Herald Times Reporter
- 2015-06-26 [Stratford High School's top graduates - Wausau Daily Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMXJaYjgzZDk4UWhVNklLRHhCaVdMUzhnU2xBcDhIQ1lsbW5rSVlrbVVmNVVESldDbW1hdmNxZW1INXc0czVub1pfN0RpZmZTb0RUb0h3QWRWWXVjcnJ4YlNGQnc0RVI4SHlfZEZ2Ul9aN0lsbC1VQ2U2RXh5ZkxGVDZ0VHhib2RfNTUwdjJNRzlWZG5kQk5aNXRMdkdmSnJCcGNwQw?oc=5) · Wausau Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27053 (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/45.json (key "27053", 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