# OUR COMMUNITY BANK
SPENCER, IN · FDIC certificate 27955 · asset band <$300M · latest filing 2021-06 · 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 | $74.2M | |
| Deposits | $58.7M | |
| Loans and leases | $45.0M | |
| Total equity | $7.7M | |
| Loans / deposits | 75.79% (p72 of band) | 64.15% |
| Liquid assets / assets | 33.27% (p32 of band) | |
| Uninsured deposits / deposits | 12.64% (p26 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.11% (p89 of band) | |
| FHLB advances / assets | 10.11% | |
| Tier 1 leverage | 10.39% (p50 of band) | 10.40% |
| Unrealized securities loss / equity | -0.41% (p15 of band) | 0.89% |
| AOCI / equity | -0.44% (p63 of band) | |
| ROA (annualized) | 0.62% (p27 of band) | 1.04% |
| Net interest margin | 3.72% (p70 of band) | 3.30% |
| Efficiency ratio | 81.95% (p80 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p67 of band) | |
| Reserve coverage of noncurrent | 132.76% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 39.36% (p77 of band) | |
| Auto loans | $40,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 4 |  | assets shrinking |
| 2013-03 | 3 |  | loans exceed deposits |
| 2013-06 | 4 | loans exceed deposits |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 7 |  |  |
| 2014-09 | 6 |  | loans exceed deposits |
| 2014-12 | 6 |  |  |
| 2015-03 | 3 |  | brokered >10%, charge-offs p90, deposits shrinking |
| 2015-06 | 5 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2015-09 | 2 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 5 | loans exceed deposits, expense ratio p90 |  |
| 2018-09 | 4 |  | loans exceed deposits |
| 2018-12 | 4 |  |  |
| 2019-03 | 1 |  | wholesale funding >15%, capital falling, expense ratio p90 |
| 2019-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2019-09 | 2 | loans exceed deposits |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | loans exceed deposits |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 3 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2021-03 | 1 |  | losing money, expense ratio p90 |
| 2021-06 | 0 |  | uninsured deposits leaving |

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

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- 2026-01-21 [Bennington State Bank to Acquire Flint Hills Bank - KSAL News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5HMmdXREp1dmFxV09QbWx5bktSaF9uUWRUY3BURlZuZElGUkk4dkRuUktmYUZaUE90YkJ1Z0REbDdWck9QdUppUTBNMC1sZUdlaWFHSlkyTHhiTE03TkRYNW1OOEtZYm5CclpaTE55Zkl2ZTEyUGdiOEFvRQ?oc=5) · KSAL News
- 2020-10-06 [Acquisition under the radar: Credit unions resume community bank deals - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdFJIU2s2VXVKRzd2V05DTlhlRXE3ckJHaVczTkNWdGFFOFRpWW00Q3NrSXdGcUZBSzltUEhISlkydExIaGNZTFBWVW96cFZqaFpoaXQxeE8ydFJsMWZJYUJRSGEzWFVtTnVFbXlwSTdZV3JyT0ROTEdqbloxeWxrWDJTNHBmaVlOTTlhdGwtZWY?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27955 (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/51.json (key "27955", 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