# COMMUNITY NEIGHBOR BANK
CAMDEN, AL · FDIC certificate 2787 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $193.2M | |
| Deposits | $171.7M | |
| Loans and leases | $102.7M | |
| Total equity | $21.2M | |
| Loans / deposits | 58.91% (p29 of band) | 73.59% |
| Liquid assets / assets | 42.70% (p68 of band) | |
| Uninsured deposits / deposits | 28.55% (p78 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.13% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -2.62% (p67 of band) | -6.57% |
| AOCI / equity | -0.81% (p32 of band) | |
| ROA (annualized) | 1.39% (p63 of band) | 1.17% |
| Net interest margin | 4.61% (p80 of band) | 3.93% |
| Efficiency ratio | 60.24% (p36 of band) | |
| Noncurrent loans | 1.30% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p88 of band) | |
| Reserve coverage of noncurrent | 116.82% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 25.93% (p60 of band) | |
| Auto loans | $735,000 (0.72% of loans; DQ 2.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 35 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | deposits shrinking |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, assets shrinking |  |
| 2019-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, charge-offs p90 |  |
| 2026-06 | 0 |  | capital falling, charge-offs p90 |

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

- 2021-12-07 [Montgomery man sentence to prison for string of bank robberies - WSFA](https://news.google.com/rss/articles/CBMijgFBVV95cUxQNWZxLXRQOGhjZUNkR0t4SllueURLeXZIcjFlYUYtWkVkVWhZZF9ZX1BZai10eF93TkdrTmNKMGZRdy1LNWZIMHB1ZUU0Q19aOHczTHFiZUxVLUl5NTVpSG5fOVk0SkduLUVvZmJpUHRJaER3ejVaOFQya2pLTTZTYzNXZjRCcnJIeHNBM3dR0gGiAUFVX3lxTE1feHZaMWplZlRITGN5eUx6bEJ4bTVKVG53UEZwS3JRQ0ZUcFpUQlo5ZG9KNXJNUktZV3VoQUp5ZXZUalVhcThkSVVkRFRtRDYtc2pwOTFPeWRVbFYyMmx1WVFEN3dxMHVHcWgzdFBiN2t1MWlaUFRhT0E4Qm1MVGNnRFljZTB0Z3hyQ1JMVWV4OVNYQW84RHVGbnZMVlNoNUNsQQ?oc=5) · WSFA
- 2021-12-07 [Montgomery man sentenced to more than 7 years in prison for string of 2019 bank robberies - Montgomery Advertiser](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdnlZanROSFlwWFV6aG1PT2hpVTZRdXBja0hubXRBM2Z1MlpyRDdEZk01M244NTBpXzhvZTRiQXVwSEJfWWw0LVl5UHdIYkZRNVFMczc4ZnM2cURrVkc0a1dmMngwV0xqMXp3My1pQU01NFpUYXNaMXNpSkpIYzFJbTJEUnZhaEdWdWRLOVJYb2hmU2ttcTRXd2tRaXkyZkl3dVZ2aVY5SXdBSmNEcEVxT3R4czlrMVZvQjRzRUdETEExQQ?oc=5) · Montgomery Advertiser
- 2021-09-08 [Montgomery man pleads guilty to string of bank robberies - WSFA](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNbWYtYmtvZDZWV3BYd19uUzF4aHU3TG9wYjdPYUFrc3RFeGVERWVKd3JNS3N6RVhHY1JPTHdjdDFaYV9URkJYZ3lFaEoxc0NVTUNUWElTZk14eUpMdXowVXNnSklPOW9MZ1FmMnRaV3NTNmlzM3RGd0lrcmxEdGFiTS1YOEZueS1BTkdN0gGfAUFVX3lxTFAxSEd5Q0oydUJ4bi1jRjRocnp3ekNTUDRHc2ZHcWJDVHkyUEZ2WE85QTdFRmFNWkdNdkZtUEJOajF5SXh2X3RQelR5NklHNElGdDlIWXVMNDFTcGpkOTI3UFJJUHhvdXB2OEtuYW9hQkMyZlRfZk1jRVl0MjJDREZjMGNuUl9qcl8wZkVNRlV0cXA0YllCWnZjSUdocFRjZw?oc=5) · WSFA
- 2021-08-11 [Dr. Hamilton retires after 44 years - The Greenville Advocate](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUHNGVkhoeTU1RWJCck0xN3ZhWW01Z2l0OFNLNVBXRWtQRHA3V3dvd25Ga0ZLNkkwcV82QzR6OHlXR2poTS1qRGk2dDRNa1RWT2hYSHdrcGJnTmMxOGVINUVMOWo4RlUyNWxEN2ZORkJLQy1JeTM0R2I2Zzdia0NSQTJ3Ql9hSHh0?oc=5) · The Greenville Advocate
- 2024-05-21 [30 anglers turn out for 7th Annual Big Crappie Day Tournament - blackbeltnewsnetwork.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxORjUyTHM5NnA4ckxmMGNlTkljc3RQdUk0M3ZBTUprY0V4ZFhBdVRoYjFCNWFQQ01IT3dXNTl4UFNlbmJsWXVJSEppWGgtSVVCazdKT0F5ODZpQTd4dHZfMXN3aG51UXZibkk1bmZOQ0pxSk83ZEdOb2VRbkkxVUJWQkFsOFpUVlRSNkVveHpOTUx3eW5GTTM5bW05MWcxM2hkcklVQWVCN0hwVk1WbU01ZHAzN1VzS3pCVWlJM2lKZGZUSFFOR2VXWW04N05YMVlpVHFwZ1p0ekdiRm5kNVhPNGNDaHBEcHhL?oc=5) · blackbeltnewsnetwork.com
- 2017-11-08 [Greenville bank employee steals $46K from bank - WSFA](https://news.google.com/rss/articles/CBMijAFBVV95cUxOd1huVXFKY0EzTWZBMWN2TG1ZNF9Rd040Zm0yb2RIaWRhd3lTaUJmR3VvYmZPSFpaeGE3c1pENzlNbEp4N2poTzMySDZ6dUZZZ0FuMXFrajFEcWFoanBSYjlreTZJMGExN1RDTXpGWmJoM0ZWSmp5VGtvQU9MXzJkZTJESWl1czg2blFyNdIBnwFBVV95cUxQZ2xaOXhfOXlIeHNsblBGaUMtYUdfSHdXc1RaWnlIYnhOY1ZUbDkyV2g1NF92ZXR0WFBKV3E0LXNZa2oxOEtFSU9zWXRLZEpBeFktVFBjN2RlZk1DMncxS3hnTFZKbXJCUlJ6R0tsbHBBVzZFVi1rbHlzNG8tUW5VZ3g2RDB4T2ZrSkZ6Vmk2V1lRdE5KMnczeXN0NXAyMjQ?oc=5) · WSFA

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2787 (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/35.json (key "2787", 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