# COMMUNITY BANK
LEXINGTON, TN · FDIC certificate 31272 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $357.5M | |
| Deposits | $301.0M | |
| Loans and leases | $301.1M | |
| Total equity | $38.2M | |
| Loans / deposits | 99.13% (p87 of band) | 82.04% |
| Liquid assets / assets | 12.39% (p10 of band) | |
| Uninsured deposits / deposits | 14.62% (p12 of band) | 25.97% |
| Brokered deposits | 13.04% | |
| Wholesale funding | 16.96% (p90 of band) | |
| FHLB advances / assets | 3.92% | |
| Tier 1 leverage | 10.64% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -1.16% (p85 of band) | -8.10% |
| AOCI / equity | -0.52% (p41 of band) | |
| ROA (annualized) | 0.76% (p20 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 73.42% (p80 of band) | |
| Noncurrent loans | 0.71% (p63 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 126.86% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 75.97% (p75 of band) | |
| Auto loans | $26.4M (8.77% of loans; DQ 0.77%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 2 | charge-offs p90, assets shrinking | capital falling, uninsured deposits leaving |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 1 |  | assets shrinking, deposits shrinking |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 2 | capital falling, charge-offs p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | capital falling, charge-offs p90 |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | liquid assets <10% |  |
| 2021-09 | 1 | capital falling | liquid assets <10% |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 3 | capital falling, auto book souring |  |
| 2023-09 | 2 | liquid assets <10% | uninsured deposits leaving, capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | liquid assets <10% |
| 2024-06 | 1 |  |  |
| 2024-09 | 4 | liquid assets <10%, expense ratio p90, reserve under noncurrent |  |
| 2024-12 | 4 | uninsured deposits leaving | expense ratio p90 |
| 2025-03 | 2 | brokered >10%, charge-offs p90 | auto book souring, liquid assets <10%, reserve under noncurrent, uninsured deposits leaving |
| 2025-06 | 1 |  | brokered >10% |
| 2025-09 | 2 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-04-23 [How Thread Bank is turning a century-old charter into a modern distribution engine - Tearsheet](https://news.google.com/rss/articles/CBMisgFBVV95cUxPQ3BzbGF0VjRlS3d6aTNJVnVtQjBZT3VRTlJQcEZZUF85TVBYWl9kY1ZabmVvRzhQMVloenJuNVdqdFhQZmM5aTF6SXRhYV9NMHQ3SUVGQzI3R0ZsQ1phbHNTN3JGREI4YUxMNFpwdzUweHpSYW9jY281VGpGVnBGTHEtM2NsQi10OFZKcnlUWjJITU4zYVdKV0Z5Sjg2RUhGMmd6dGNLNmFoaUdYMjNZU29n?oc=5) · Tearsheet
- 2025-10-28 [Ohio community bank makes deal to top $10B, enter Tennessee - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUDQwdW1DNXBmYTVqSlFkQWpXZ2RYc3BrX3RTWkZ6a2gyVzd1bHpQelFreEdoSmctTWhxbFVhMk54djNxcFJpZ3pPTlZVMEh6eDU4Y0RDdHpkRnY3RjdTZGZ4d2laRV82OF9FcFdKTzIyUUFJd0RURkFycGtSZUV6cmVlVDZoU2Fyb0lQS2c4RnYtR2l0YldIcQ?oc=5) · American Banker
- 2026-07-01 [Pittsburgh mortgage lender Victorian Finance merges into Tennessee bank - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQcjM5azE5aTlRczZjU0JjczY5ZmxfdnZ0TXVDNEJlN0VqSDR4ZzkzRTlWNUpKSWFhZEo3UUlhNFJpRnMzWmpyejhMN1JHLW1lazFHdnZFYWdjUXl0anhqZGFMTTRFN0xFRk94RWJvTnExQnNwQ25DSUJGSWtIaElPTTVyUDdSd1VHYXhvTnNmaGpBdU02dFBYeHZJWnZEUQ?oc=5) · The Business Journals
- 2026-08-09 [Recap Financial Ventures, LLC acquires majority interest in Lineage Financial Network, Inc. - Williamson Herald](https://news.google.com/rss/articles/CBMilgJBVV95cUxOQmJibjNfVjJlTU9KZjFzUXdvcTFGQ1V6cHUxWE1lZkpmUDEzQkJHamVEb2ZYSEFSOG12RVVCU2lDSUx4MHc3TmN5UjN3dEQ3WkItUE1ZRVY4YXp6MWU5Tm03M0x6OHl0VGdsbUxUc1B3ZzZFVHFSZzRHb3R5emZqaHBhR0d4YXZmWTFtWWVBblpjZURRWXN5NGVveXNjZ096SkVvNkk4MFVPN0M2am5GNGpMS29UZ3ozQ2R1cU9hdnprU09WOFZ5am9LajVrOXZITHF3UmJqMTFmaWl2aU1OakhKemZEU2p6anZDVnJOT1M1WndJc01XTm0wZWkxRWMwX0NlODdzQ3ZadUR5cGN4dnNCdmJaZw?oc=5) · Williamson Herald
- 2026-07-27 [People Bank of East Tennessee undergoing name change - The Advocate & Democrat](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWlZHcjJxTWFWdG1HSlJUbGpWWHoyMThGUXpsZnZ5QjVJSVZXbUdhbWM0T01qQnByczhPSFlhTlk3QkExWG1FenpxM0UzMWpKd2pFU1VrUTV1OFYwa1lDYkNNWGJ3YktlRkFlUmlCMG81akJGdE1uY3BVNUxhS3VaanN6dzJjQVlQNk8wb2wtS1NoXzVE?oc=5) · The Advocate &amp; Democrat
- 2025-10-02 [CBK IPO News - Tennessee community bank Commercial Bancgroup prices upsized IPO at $24, below the range - renaissancecapital.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNNFlnMkdoZ21SeExYUGUzY09lVGl4UVVxWW9Yb1ZGSVVqY1ktZ3JpZlVFTWQ4b1I4OGdUalVNYm9FeXFGdFd2bTRhTzlucndrR09NS0FZZWtYc0FMUktUeVlPUkFCWlYtb3Z5THQ5UGxTUnBZeUFvUnZQaG9IblBmbkM2dDl1RlZlNDBWMDJKMFRPMlh5UHNtb0ZnaHBlSWl3SWpzNlNEcFc2OW9DLXhNTURnSXAyeF9PNm5YcFVXaHk3U01KV1ZlY0dkZTh5Zw?oc=5) · renaissancecapital.com
- 2026-07-14 [Le Bonheur commemorates new Germantown location; West TN Bank breaks ground - The Commercial Appeal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQRTdjdjhFOUM5akpIQnJTNVB0NHRfNlRManlpdldCQjdhTG5WanVKdmFHLVpnLS1IMzhOQ2RIdWd6Snh6X3pQU1diZG84WW14SDRvcGNfNkswNWRnOVpTYmJwRUpMT0ZxTDFQTlU0S282eFlXMHZ3SHdQTVkxRnExWUV0YVlydjlTTjBxZXhyR2VxLUdTdHlpeXV6aXZsdmxxNlpnalFEOGRUMHF6cDhIZnp0eGMwUktNUy0weC1BaFo2QQ?oc=5) · The Commercial Appeal
- 2026-01-02 [F&M Bank, Volunteer Bank align under Lawrence Bank charter, preserving local brands - Clarksville Now](https://news.google.com/rss/articles/CBMitAFBVV95cUxPOXJXaFFoTTBERVA3NzFxeEVlanlmQnE4WllhNEdER3VDaXFtUEZHb0U3dWh4eHh5XzUydlBlMDU2b2RWd0s0NEsyWTRCX1NmWFJkdHl2VDJ5YXpTSk9TdTZHazhoaDdkQXV4RWJCNXRqdFJUUjZYYmlKVV9TZDFVY2VIdzdiYUxNdXRveHFmcl80cVdzREd1aFF0bFdueld5SnZhbkdUenJhdGZMTFZJUXFBSDc?oc=5) · Clarksville Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31272 (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/40.json (key "31272", 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