# CARROLL COMMUNITY BANK
SYKESVILLE, MD · FDIC certificate 32393 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $176.2M | |
| Deposits | $145.2M | |
| Loans and leases | $148.0M | |
| Total equity | $17.9M | |
| Loans / deposits | 101.16% (p93 of band) | 72.51% |
| Liquid assets / assets | 10.82% (p3 of band) | |
| Uninsured deposits / deposits | 17.33% (p49 of band) | 17.44% |
| Brokered deposits | 0.29% | |
| Wholesale funding | 7.67% (p77 of band) | |
| FHLB advances / assets | 7.38% | |
| Tier 1 leverage | 9.88% (p35 of band) | 10.85% |
| Unrealized securities loss / equity | 1.24% (p35 of band) | 2.55% |
| AOCI / equity | 0.53% (p35 of band) | |
| ROA (annualized) | -0.14% (p5 of band) | 0.95% |
| Net interest margin | 3.48% (p45 of band) | 3.57% |
| Efficiency ratio | 102.99% (p95 of band) | |
| Noncurrent loans | 0.16% (p32 of band) | 0.49% |
| Net charge-offs (annualized) | 0.09% (p82 of band) | |
| Reserve coverage of noncurrent | 491.38% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 51.48% (p83 of band) | |
| Auto loans | $38,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent | leverage <7% |
| 2012-03 | 0 |  | expense ratio p90, reserve under noncurrent |
| 2012-06 | 2 | losing money, reserve under noncurrent |  |
| 2012-09 | 3 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 | reserve under noncurrent | losing money |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | loans exceed deposits |  |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 4 | brokered >10%, capital falling |  |
| 2015-12 | 5 | uninsured deposits leaving |  |
| 2016-03 | 3 |  | capital falling, uninsured deposits leaving |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling, expense ratio p90 | loans exceed deposits |
| 2016-12 | 3 | reserve under noncurrent | brokered >10%, expense ratio p90 |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 4 | capital falling, noncurrent p90 | charge-offs p90 |
| 2017-12 | 3 |  | noncurrent p90 |
| 2018-03 | 3 | expense ratio p90 | reserve under noncurrent |
| 2018-06 | 2 |  | expense ratio p90 |
| 2018-09 | 4 | reserve under noncurrent, construction >100% equity |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | expense ratio p90 | capital falling |
| 2019-06 | 5 | loans exceed deposits, losing money | construction >100% equity |
| 2019-09 | 4 | assets shrinking | loans exceed deposits, losing money |
| 2019-12 | 6 | loans exceed deposits, deposits shrinking |  |
| 2020-03 | 5 | losing money | reserve under noncurrent, assets shrinking |
| 2020-06 | 1 |  | wholesale funding >15%, loans exceed deposits, deposits shrinking, losing money |
| 2020-09 | 4 | loans exceed deposits, losing money, assets shrinking |  |

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

- 2022-05-25 [Farmers and Merchants Bank taps new CEO - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPencwc0IwRkZXYzlEdFBIVDhLZ01neWF3cFFBeFRORDhHd1B5OWV5dmxYdmwzYzNFVEVjSHBiV09jU0FDUXBDX1c5N3JiUnNpajhGUl8yb3FVTF9PYlZkcFExVjFnZ0pWSDNXWXFmZjVVSzhBTGJNU2c0RV94SkdVcFNHbEFzVVFqM1E0NklxT0l1WGpFLVBTeDN1Qm5VYkM3QXo4?oc=5) · The Business Journals
- 2019-12-02 [Holiday Hope: Access Carroll staff ‘battle’ to provide health care for low-income, uninsured residents - Baltimore Sun](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPWjN0NmNpR1BKbDIxZUxhRnh3dmxHWXZ1YlpiaDN4OGxfTTJaVU9JeE1wWHNZOGtYM0tudTV1Zk9ESmE4NF9sRzN3bEJIV0hrVHZVX0NLSmItejE4NmdSVG44ZFBrWU5zandTdG0xWHh2SHotR29QSXBicFRFX2t0dDJIX1BkRUZYMzNVOXlPZi16aHZsa2VwcDY2UnFoOTh1YnRlbXg1cWlVVlAxaUpHdXBEVVRpWnVFQnVVNnFmMHlqdlQ5XzBuNHNGZjlidnhhc09zVzdR?oc=5) · Baltimore Sun
- 2011-10-27 [On the move – 10/28/11: Eppel to lead Myerberg Center - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRzJCSFlhN3I3ckZCcmM0bzFRRks2Q194c0I3UzN6ZFVKMU91S3VTaThCWE9wM3gtc3JCYmszSExwMmlGeHNtVG1jNEVxS0l4VXVlUjRkQlZVVVpYdkpUeW94VDVwU0lmbEY5LThLdFF4c1NFMUJraWlpZTNFUlhIZG9wVHgxdFpFWnZ4cndTWWo?oc=5) · Maryland Daily Record
- 2016-07-08 [Charles Wehland Obituary - Raleigh, NC - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOQW9VcjZpYXJSVGZaQ05iNGpWcnFRQmJqblRjSF9mM3ZXbnFIcWN3NG9sSnV6QjFOQllnYXFrTmYxMEFzYnh0Qlo1Rkh3MmYxU01FcHhqU215eHppSXFJdG1UOTRxTFVudUg1XzhnU1lZSEx5ZU9ZVEhWMG52M2JWbjdBaw?oc=5) · Dignity Memorial
- 2010-11-13 [Charles Codd Obituary (2010) - Westminster, MD - Carroll County Times - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQ3ZXMkd2Q244ZUZfZG9yaHNtUW5DYmxFOEdpZWlZcTlRR0w2VG51Z3AzelcxYTlNSXl0dDZVN0s0MGdOcV90WmgxWGE4TEZ3ZE8tZmVrRTFIXzV5MUFrUkdjRnltLTI4UnM3RzNoNUM5S1VyQXFuUWVZbFJxWkhxUlZhNkV3VGgwcFdfeFAtQXpsOUtudi1POTBB?oc=5) · legacy.com
- 2025-07-10 [8 things to know: Annapolis parish buys school property for $8.5M - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbVhnbDdoNGRmUHlnbTZYRER4QnY5YnRyd2RNZ3lHa3dGamlVM0N5OFlRejlYbkFSS20zSkNHV2gtM19jeFIwZ0t5RThYYzdlUUNqdzVxZW5HcVVkalhIVndSNHRQLWNoeTBUMzNmX3FmMktvb0ZnU2lOcWV5aTFuU0tBMGM5ZTNnM0F1N2xlbDA4dFp6MG10M3gwaTMySEtkN2NraC1YazZWdw?oc=5) · The Business Journals
- 2014-03-08 [Environmental police are ‘real police’ - Baltimore Sun](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRlBLeVI3Q09FR2RpT0JnbDZURl9Qang3RXk0T0d0dE5WY2lYSVdRdmdSREQtYkpjMkhtWFRQQ0t4dHZxc0hyZjhELVVGX3dXUWM2b2Y3d0hLOUJyUENxYVhEbUMzeXBHc2NnNnlXZHEyV2RYeC14NEFTM2VKNnVaZjRqZw?oc=5) · Baltimore Sun
- 2021-07-17 [Melvin Hush Obituary (1926 - 2021) - Sykesville, MD - Carroll County Times - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNkR0Zk1SZ2RPY3VBMl9DeTdCMDdjbElMX3VmeWxaQ253bUlJWmo5Y1dpWDJwdWR3MTdDRENWRWhCREMtT01teG1ZdU9qX2RmQzVFUThmLVc1MVhldC00c24tMUo0TGgxZ0NPT19RREdHYXVyTHl4M1FDWnRhcHh1ajlEWHZnajVydTNDUlJEeVVaMFM1ZGVVRQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32393 (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/9.json (key "32393", 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