# COMMUNITY BANK
STAUNTON, VA · FDIC certificate 30417 · asset band $300M-1B · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $467.2M | |
| Deposits | $385.1M | |
| Loans and leases | $408.1M | |
| Total equity | $52.0M | |
| Loans / deposits | 104.44% (p95 of band) | 75.31% |
| Liquid assets / assets | 6.80% (p1 of band) | |
| Uninsured deposits / deposits | 6.81% (p20 of band) | 13.08% |
| Brokered deposits | 2.76% | |
| Wholesale funding | 8.11% (p63 of band) | |
| FHLB advances / assets | 5.35% | |
| Tier 1 leverage | 11.41% (p79 of band) | 9.68% |
| Unrealized securities loss / equity | -0.02% (p5 of band) | 3.60% |
| AOCI / equity | -1.05% (p10 of band) | |
| ROA (annualized) | 0.85% (p51 of band) | 0.84% |
| Net interest margin | 4.85% (p95 of band) | 3.66% |
| Efficiency ratio | 64.75% (p40 of band) | |
| Noncurrent loans | 3.60% (p80 of band) | 1.63% |
| Net charge-offs (annualized) | 0.58% (p79 of band) | |
| Reserve coverage of noncurrent | 40.13% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 73.39% (p84 of band) | |
| Auto loans | $22.1M (5.41% of loans; DQ 7.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 119 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | uninsured deposits leaving |  |
| 2012-06 | 5 |  | construction >100% equity |
| 2012-09 | 6 | assets shrinking |  |
| 2012-12 | 5 |  | wholesale funding >15% |

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

- 2026-09-03 [Georgia Skyline Team Set to Combine with Highlands Community Bank of Covington, Virginia - citybiz](https://news.google.com/rss/articles/CBMixAFBVV95cUxNQlNIQjN5ekw5MXQ3SzZkLWJVN0wydEFlMC0tZGlsbU9vb3ZCQ2dBZFRrWVJKM012N0t6RGFUbTNRVEhDZXVNU3cwdHBGUnZKLVhEdHN3MmVjMVJ4T2ZJY0lmWERvMGNtdWh5bDlNZHJXemtTcWI3ZDQ3VVZiSkhDbHhCRDFvNTNkeXNtRWtHUVBUVTlOZXBQdEp1d3ZuVzBWYlJuaFhJSDFNSHU1MExBSnVnS0E0MzNsSlZoOVpxNXFQSkcz?oc=5) · citybiz
- 2026-05-21 [Community Bank to build new downtown Parkersburg headquarters, branch facility - WTAP](https://news.google.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?oc=5) · WTAP
- 2026-03-01 [Virginia banks saw big mergers and acquisitions in 2025 - Virginia Business](https://news.google.com/rss/articles/CBMidEFVX3lxTE1WOWxCLXJ4V01nNEgwWnFpQU11bjJaam5sMWNKMThHSkFJTG1pVjhHcTNBVGt6VGJkU1V5QjFfRy1aNkpWWWUtYVBqTlFzUzFqckx4clRQejkyY1IwdVRWakZyaWp6azgweEVzVnlDQkFRUXJW?oc=5) · Virginia Business
- 2026-03-16 [Tompkins Community Bank Names Phil Quintana President-Elect; Quintana succeeds John McKenna, who will retire in July 2026 - Greater Rochester Chamber of Commerce](https://news.google.com/rss/articles/CBMigAJBVV95cUxQYTdJVWpsZ0FPeU0xWXpOZ0hJMlA1MzdDbEItWms2SEFubDBSUFBmQ2swS2w4ank0Y0hsMjJhMURUd0Y2QnVYZmlPVDNnWGlqVmNMWEFobi1EdEJ0bWx4Rm5SNkNVckFIN1JtZ2Nyc0thOUtUZ1JmY3loOUxBZWhHREw3STVEcGlpdUlUejJqb0x2Ql90VGgzWjBoUVVlaVNMVGhnOGF4SEVVOTNOakliUlpNVmI5ak9YWGpsT05RVlladnRjdUFlanFsOHlyUjlhUUtiT1VaYUx2MWVjemE0aXhMMDlfc0JTdDJCZzZuTlFDblpxOHB3ZnJuRlhVb2hU?oc=5) · Greater Rochester Chamber of Commerce
- 2026-03-17 [Regional banking veteran tapped to lead Tompkins Community Bank - Rochester Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSlVncjlDeVVQaFYzM1ZscHU3aHdCTHZjX3FIcTA3QmJlaWlxaEk0UVk4SHh1cXA0MElGV25jZlBQZUhnc0hCaElXTWdJN3BUeVVYaFBXUnV5eThmNXpSS3R4dHZudnN1cFd0QldQVFRWS2ozTC1Cc0UyZm5NMjB1dXN5OWI?oc=5) · Rochester Business Journal
- 2026-04-07 [Community Bank celebrates 125th anniversary with ‘Generations of Trust’ campaign - TribLIVE.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5CbUR3cFFSdXgtUkMwY0Nid0Nqb253U0xkUnRJa0lNWlhsM2l3a1R1TFlweG9tSUZyd3ZTV1FOazdRRm51azVUcmFWT2lNeUpsSEZfOF9n?oc=5) · TribLIVE.com
- 2026-03-27 [Pioneer Community Bank breaks ground on Oak Hill, Daniels locations - WVNS](https://news.google.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?oc=5) · WVNS
- 2026-05-07 [Pendleton Community Bank breaks ground on second Raleigh County location - WVVA](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUDQ2R2NFTWs2S3JrVVBzeUJNajg4bnR6d25RRDItRHR1WW5XbVl0WXhzeEM5UWpQTXAyUzEyOWl2aXdVc0N2SWhuVklOcDJkTG5oRzh6U3RfeUduVHNIM3NJT3VIWEhXSFRZYzNZN1AzZEZqM2RodWc5a09vYlhCRC1nSmdMRWIxR1VCVE5pTDVTcVBtcFl4dzZ3TTBUS3RyY0laR9IBuAFBVV95cUxNOHFackd5d2dyRjBIM1I1em9GcGd1SFBvMW5IZWVsZUUzYjJnazdwRzdGdktkN2FvMFBwMktLaEpTRlhNNjFnZ1R0NlFwUGM3OGJOWEgtV1FVczc4MktnZWdpMVVnNDBvX0JKMzZNMkhfOU80a3U3Nl9ZeFlaWkNFcWtHbXdUdnpSVGpRWnRXYlpCSERWdHhCai1UeDZ4UHlBY0RYZlgxSlFSV0tEMkxkNXZmVzRMS3dU?oc=5) · WVVA

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30417 (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/17.json (key "30417", 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