# COMMUNITY FIRST BANK
FAIRVIEW HEIGHTS, IL · FDIC certificate 27393 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $204.5M | |
| Deposits | $188.1M | |
| Loans and leases | $171.3M | |
| Total equity | $16.2M | |
| Loans / deposits | 89.85% (p80 of band) | 72.67% |
| Liquid assets / assets | 13.22% (p8 of band) | |
| Uninsured deposits / deposits | 20.14% (p76 of band) | 13.36% |
| Brokered deposits | 13.74% | |
| Wholesale funding | 13.74% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.50% (p4 of band) | 10.53% |
| Unrealized securities loss / equity | 1.40% (p73 of band) | 0.18% |
| AOCI / equity | -0.30% (p44 of band) | |
| ROA (annualized) | 1.10% (p68 of band) | 0.82% |
| Net interest margin | 3.48% (p43 of band) | 3.60% |
| Efficiency ratio | 60.53% (p20 of band) | |
| Noncurrent loans | 0.16% (p25 of band) | 0.74% |
| Net charge-offs (annualized) | 0.65% (p97 of band) | |
| Reserve coverage of noncurrent | 806.45% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 119.45% (p97 of band) | |
| Auto loans | $289,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | brokered >10% |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | brokered >10%, charge-offs p90, construction >100% equity |  |

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

- 2026-06-25 [Community First Bank donates to Waltonville Park - morningsentinel.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNkNla1hnOWRCcjhhSVd4REJjTWhxSnpYdTRHNTQxR3lCWlc0RnNaMExBVDB4OGk4WWtpWF9xeDVkSWpZQTlXWkpOTVo4NE5kMkoyeUVfS0MxUWVaZC1FZE9uc0dLSTB1dWVmNi1NZ041WWM5SDg1eUVaS1E2NzVoM2VsNWxVWG9xbzMyLXRKWFc1b29EcnMxdXpR?oc=5) · morningsentinel.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-27 [Generations Community Bank, Indiana's First Minority Depository Institution, Opens In Indianapolis With $29M In Backing - AfroTech](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeDJxdUhPclp2c2phME9VdmpvMnUtWXZyRzU5T1VvZGYxeTlLMzFmTmp4UWpKMjFKVE1wVHZwVTd2RlV0eVYzaU41VGdXeWZnaW1FTktWaDdRM0ZIMGd2RTczRGRzTll3T2Jybm85dHRoU2lfRGE3Y2tVcmhKam5qS0NHbW9mS2w2YklUX3pTWVE4Qnc?oc=5) · AfroTech
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2025-10-15 [Indianapolis startup bank Generations set to launch early next year with two retail locations - ibj.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQXljRmpGeFFrZ2ViaHZQWHRuRTFoejNwa3M0NlBKRlZvTFNnSkpYSFVVYjRRNGhVekluZndYRnduMXliYkg2VXZIQVBIaHh1Q084YjFFdEllOUFpczVJZHc0VTI5c0ZxTXRzaDVjRWNnQTFmQjFaMWlSc0tJMGVqOUlWN2FxNWRPS3RDcw?oc=5) · ibj.com
- 2024-06-24 [Credit unions have been buying up banks. Here’s a running list from 2024. - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTFBOREJfRnRFejN3SWJuYmNiR0NuUUpINThmcE5BbFcxX0xUZnNLRm9ieEw1Uldjb1o3em9FLU4tUjhNV2V6Rm5aZHl6ZFVXZ050dFFOWFV3YjVLX3lBbGxMZFZTX25YSXMwNFMtVDhJZjJqM2NYem9yTGhTMA?oc=5) · Banking Dive
- 2020-02-26 [Community First Bank of Indiana Opens New Noblesville Location - Towne Post Network -](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPV081R1lKY09tbmNlYVRvSHJnaVlhV05lVTRXNFR5b1NpaDl0ZlhqTEo2RW42LXVWT2pzZ0ZUZzlhOXhYRjNvY0hMN18xYzdWYUYxNWJzNzBPek5FY2wtWlFXalplQmw4VHBFU1FtbFJHVWpmQW9ORmZZRkRMc2x1eWV6Z3ZTNGRYR2FXeWhvNHVaU052MWpsR1ltTjZpZm9iSnRwU1ZQVEI?oc=5) · Towne Post Network -
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27393 (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/1.json (key "27393", 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