# DAMASCUS COMMUNITY BANK
DAMASCUS, MD · FDIC certificate 27280 · asset band $300M-1B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $313.3M | |
| Deposits | $279.8M | |
| Loans and leases | $222.2M | |
| Total equity | $26.2M | |
| Loans / deposits | 78.62% (p38 of band) | 84.48% |
| Liquid assets / assets | 26.03% (p58 of band) | |
| Uninsured deposits / deposits | 18.96% (p43 of band) | 20.77% |
| Brokered deposits | 1.96% | |
| Wholesale funding | 3.48% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.37% (p7 of band) | 10.22% |
| Unrealized securities loss / equity | 0.33% (p56 of band) | 0.17% |
| AOCI / equity | 0.75% (p45 of band) | |
| ROA (annualized) | 0.60% (p19 of band) | 0.94% |
| Net interest margin | 3.55% (p46 of band) | 3.62% |
| Efficiency ratio | 78.02% (p83 of band) | |
| Noncurrent loans | 0.23% (p23 of band) | 0.60% |
| Net charge-offs (annualized) | 0.01% (p45 of band) | |
| Reserve coverage of noncurrent | 427.27% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 34.75% (p45 of band) | |
| Auto loans | $21.6M (9.74% of loans; DQ 2.18%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | losing money, charge-offs p90 |  |
| 2014-06 | 2 |  | losing money |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling, expense ratio p90 | charge-offs p90, reserve under noncurrent |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 0 |  |  |

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

- 2017-02-10 [Old Line Bank to merge with Damascus Community Bank and move into Frederick County - The Frederick News-Post](https://news.google.com/rss/articles/CBMiogJBVV95cUxOYkJaRlQtaklodVlUMHRNaG1NdEIwYkdjbWFPbW1vaWpkMGhpT1MxNFR2b2t2VE9Pb1NJS1NfU1ZGRGRBQTF3a0Y3TkJ6MVlLWjdWUlBYX2FzaUpCR1RsUFZBZkUxMkh5bk8zWjVTN19aNHdFWDJMSG5yX3NSSVhxazQ0QXlINTFoSVVMaHRrdGxEOXB0WFFIODdiLS1hVnhVSHZyTHlrYVczUktUZVFKODZ6WEdNNGZNYXFxNXJlMVJVY1NOdzI0czRyYXI0TDc5dFNlNkt3dzZJZHNQUHJndDR4aHhXVmI0elY4ZzBaSFJ1UTVvcTBLTnVaTmVZSk9tQWNiaXNsT1BtbVl5SGNJZ2R2ZENQMldTNHAyZXZJYURoUQ?oc=5) · The Frederick News-Post
- 2017-02-01 [Old Line Bank buying MoCo rival for $40.7M - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdkRtRG9GaEFoRW9oaFQwZXVWZzREUFBucVhZa2trRTQyQWd3Z01rOVVpYjYweC1VdEF4c0RrUEVIc210d2d0dXJlSTlaN01wT3BFUmh0dzVhXzZjLWtjcU9ERlpmbFJrd1JxVFJGaUxDYkp3emdLQ1l0YmRJUFAxU3dfNHVpQlVnbE5TdUJRcUNoV012U29DeFhWc2dRZTVKTGc?oc=5) · The Business Journals
- 2013-09-07 [Bank President Rose Through The Ranks - CBS News](https://news.google.com/rss/articles/CBMigwFBVV95cUxQa2U5d1YxS0djWE5GdDNKU083eTFWZTlQZFJ0MTRxa0FYTUV6bVcxUjVKZU9QbUxtdXJCY1JJcVN3WkFQSXNpTzFHbWU3U19fVkhNdXJUMk5Yc1dhcDRUbnRIYzI2c3hsZ0pJUTg4dDE3MFZjODU2R3hDMVd6Y0ZKTUU4dw?oc=5) · CBS News
- 2015-05-27 [Angela Penn Obituary May 27, 2015 - Stauffer Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE03OGFkOEt0eUpiWVdmZVBvQnM4WG9CdDU0MWx1MF9iRDdybDlCZk91ck5VbzF5TVk2YV9tSFdOX0kxck5pWDJ1dUFaOE1jNkR3S1dBdndMSmNldjZzOUVoZ0xlWmpZX0FfaWptQ0dpRDdEZw?oc=5) · Stauffer Funeral Homes
- 2024-04-17 [William Watkins Obituary (1935 - 2024) - Clarksburg, Maryland, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYXp6QzA3RjlrSFM1Z1pKZ1ZwN2dKbXZEQzhudzBYS3I5VmtpNmhDQUJ6WHRQdXVFVDl1Zk84RzZQWEQzRnR6OFhxQ3NZVVNhS05uOTlYQ2Y0c3M0VWsyd19rVkNqMlhLMlR5ODdLSW9Tdi1VZ1dLYjdEM0FKbi1mQ1RkZmE4eTV6TDNwREplWnljbThkUjExTjRYcHg?oc=5) · legacy.com
- 2000-05-26 [Ryan Pestun Obituary (2000) - Damascus, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTW1Fc3ktUERtMk9CZzkwT3lHLWNJVjl0THBSNnJzUTlKeEVTS3ktamc1SXRhSlpLSlVpSEdrSEFmd0NESnctVVVzRXB4ekhwYmFJYUpic2JEcXJFZHppUVViRTZrNk53UU41NHN6b0lBb1Iya0VTX3lBUDNDa3U4SkVFVEJ3UGtkenNDNGZMYjJJTUw2Q0FZ?oc=5) · legacy.com
- 2004-11-23 [Daniel Sivert Obituary (2004) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVkVEVVhLYjYxQWRuTUI0SlFybUo4OEJZVXJfeDhMNWExTGtMSENTUXBfRGRvbmJ3d0t5NnV2U0VZLUJGaXFVT3EzZkotQ0xjZEVwVnJuTDlDNWlSNmNJeElFd2NOcElQVGFfaHlSU3NTSnZRSlJkN2NpMHZIWV9sTTF5VXBXaVVZZ3lDRkZnTzROT3ZL?oc=5) · legacy.com
- 2010-11-09 [Marcy Powell Obituary (2010) - Frederick, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQU2lRaVd4M3BENzhXNWJFOXpRWkZoa2g1SGRsZFlVV29GTjNQaUdLYTU1Y3gtOC1DNXA3dFByRVpMNlU5dXprSVBxT3d6MVplQ3N4SUxPUkEteXo2cTBVWE9xY3ZfVDI5RjkyY0hCNDMxbVhWZW9SbFdDV3RZdGoxZm82MDFnNU55Q29FbkNVUHJtdkR5U0ZyLQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27280 (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/16.json (key "27280", 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