# YOUR COMMUNITY BANK
NEW ALBANY, IN · FDIC certificate 28915 · asset band $1-10B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $1.52B | |
| Deposits | $1.23B | |
| Loans and leases | $1.08B | |
| Total equity | $171.0M | |
| Loans / deposits | 87.31% (p45 of band) | 89.53% |
| Liquid assets / assets | 22.24% (p51 of band) | |
| Uninsured deposits / deposits | 30.45% (p62 of band) | 25.95% |
| Brokered deposits | 0.48% | |
| Wholesale funding | 6.17% (p34 of band) | |
| FHLB advances / assets | 2.75% | |
| Tier 1 leverage | 10.11% (p58 of band) | 9.68% |
| Unrealized securities loss / equity | 5.46% (p82 of band) | 2.54% |
| AOCI / equity | 2.03% (p74 of band) | |
| ROA (annualized) | 1.18% (p75 of band) | 0.95% |
| Net interest margin | 3.88% (p78 of band) | 3.48% |
| Efficiency ratio | 65.21% (p53 of band) | |
| Noncurrent loans | 0.25% (p18 of band) | 0.63% |
| Net charge-offs (annualized) | 0.09% (p75 of band) | |
| Reserve coverage of noncurrent | 242.64% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 51.65% (p65 of band) | |
| Auto loans | $20.4M (1.90% of loans; DQ 0.86%, NCO 0.01%) | |
| Loans to nondepository financials | $4.2M (2% of equity) (p83 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 325 | |

## 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 | 2 | wholesale funding >15% |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 | capital falling, charge-offs p90 | wholesale funding >15%, uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent, capital falling, charge-offs p90 |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 2 | capital falling | charge-offs p90 |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2014-03 | 2 | capital falling, reserve under noncurrent | wholesale funding >15% |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 1 |  | expense ratio p90 |
| 2015-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |

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

- 2026-09-06 [The hidden cost of losing your community bank: disruptive innovation - The Hill](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdllZLVp4cC1CNE5vdjg3SlZWYXdGZlRObF9CWXRTVjVCcnpfaEFQb1BGUVRIYUYzaTF2YmJibFQ1czdCaEdrQ2l4Zjh6bm0zQ3NzSXgtaWNndjUtdnZnYXVwNjBzWVNJLUpRWmtySm96SzIzclhILTdleno1LVJlTjZic9IBiAFBVV95cUxNOVNhS3V3LUxhWHlHUjRjZEwzQmVVdng4WEwwUElkamJRbUo2MFVWa0ZLQWNkMm9EQXhlT2JIQ0h1MU9LaUZUdTNMMG5WdUZERmMwa2VuV1dpYW5RVzdPTnQ4ZGlrSEFyVHdIQW1TcXhBTlBDLXA5YVdNYTEtOE9HZlRLNFo1SW1z?oc=5) · The Hill
- 2026-07-21 [How Table Rock Community Bank is simplifying your finance - Springfield Daily Citizen](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTlN5UmJPU25IeFM5dk1aR2YyZV9ZOVNJTXlWaXpwcTJaVFkyLTZiQW8ySVN0M0E5Nk9ab0RQcGpocXp5RjJUOWVxVW1NbmdPeUx2TG9MNzJteEE5UTZtRll6N0tVYkRlWkdXZV9ROGZkUW1ROXlwQVBnblZiaGZ4U25R?oc=5) · Springfield Daily Citizen
- 2026-03-26 [AI is Making Your Local Financial Institution More Human, Not Less - Kiplinger](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQkEzaUw1WkdoU1MzeDd2eU8xTlJrOGNLOUJLdUllbVMzYWVGMTdCMmRYNUs4QmZrTXpHcUs1UjJ1aFZHS0lMR1JsMVhLeDFpNGZnRGttQTVtSlcwOUlLc3Q5ajNMQko5Y2pIXy1QUHgxYVVvSXhYRHdsMTh6Rm1jVzdxNFFNM19pb2UwS0E3VE1pckFyM3ZQSXl2Nkx4SlVpbFdsbGZ0eExheHZGVUE?oc=5) · Kiplinger
- 2026-06-10 [Your Community Bank opens hub at Morden Civic Centre - Merton Council Newsroom](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVFRUaG9ES3c1SG9HTy1HVDZ3MDFHZnJnVWh5aTIxa1JxNnctcEZMOE05R3dUMGQtRlVIWlJNUXk2TVVKWDJLc3hwZzgtdTFOMFk1UndkdDAxWUMxQ0tnMVlodWMyMjNhenQyeGF6OUJvbjFYRWxRMUtrZF83Rm9DYjdpd2dyY0VpVldwU1Bkem9NX0JLVlE?oc=5) · Merton Council Newsroom
- 2025-10-07 [Local strength with national recognition: West Coast Community Bank powers Santa Cruz’s growth - Lookout Santa Cruz](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOSUwtZURuYnlGY3FwR2NvMi13YkFZenExdUI2WjJYcEhpUzYwazNNNy0tNGZGWWxLYWNOVkluSUI4cVNkTkEySWlRSmR0S0x4NldGand0TFNGYnhFTnhqdUJKWWJhNmpaamdfTHh0MTU4cUVRLWtscUkxb1A0QlJ2U0hBdnEwUFBjNVlzUGtHRWo5SmNSTTh5TVJhSzFYaWNkZ2VHV3FUb2cyVVNYLVVZdExnSlN3eDZk?oc=5) · Lookout Santa Cruz
- 2025-12-12 [Croydon Plus credit union rebrands as Your Community Bank - Co-operative News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNNmlaajRKcHNCU2pmWVJodW8xOHh6V3RwbFVKTFBJYzNKdVNwSnJzVVZNeWc3X1I4QloyOElKZ3BSSTUzVE5YVm5mQkVTOXRfUm1ILUMxSDROVl9JbS01MGVHQnd6QUl6WVFlblc2N2sxWHhhcVJpVzduUHFzdVJCMVFsNmMtR1JBSzYw?oc=5) · Co-operative News
- 2026-05-06 [How AI Helps Credit Union & Community Bank Advisors - LPL Financial](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNU1FKd251eDNtSm10aW5hcm9mZFlKM2lrRUpGY05McGZTVlYzMmlDWFNRWUFpaGRoTTUtWmpVQVJpYk8zYnA2LUJ2blExelJwWUtRWjRBQzJhbU1hVi0xQVhWOGZmN21va1VkUS1vc0gzVUNTRzM5ZkpldWRCVTFnbjRybXJZNjd2dktKWEhuQ1gtY2NIRnpwVWNpRjRGWmQwUUJGTFk4dW9pODUxaFhCb293ZG1mYjNBbkpXNU9mMHZaQQ?oc=5) · LPL Financial
- 2024-05-09 [Local banks help the people they serve - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTE1qalBfQWFPNjdTRkR5R3JJUFNJVEs5REQwbzQyblRFUU5SWmZoQnQ2bEJmRTNVWGg1b1Y4ZTk2UnNRaS04dmJtcmpOM2RJdUtMX2k2cGJXQUlYY1N3bHA2NzhGY1F3UHR3UFc5MDNscXR3cDlydGc?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28915 (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 "28915", 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