# DRUMMOND COMMUNITY BANK
CHIEFLAND, FL · FDIC certificate 32737 · asset band $1-10B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $1.02B | |
| Deposits | $879.5M | |
| Loans and leases | $588.4M | |
| Total equity | $61.1M | |
| Loans / deposits | 65.72% (p26 of band) | 79.05% |
| Liquid assets / assets | 36.88% (p76 of band) | |
| Uninsured deposits / deposits | 28.97% (p40 of band) | 32.67% |
| Brokered deposits | 0.05% | |
| Wholesale funding | 6.91% (p63 of band) | |
| FHLB advances / assets | 6.86% | |
| Tier 1 leverage | 9.79% (p53 of band) | 9.71% |
| Unrealized securities loss / equity | -96.62% (p8 of band) | -26.09% |
| AOCI / equity | -81.03% (p6 of band) | |
| ROA (annualized) | 1.06% (p41 of band) | 1.15% |
| Net interest margin | 4.23% (p92 of band) | 3.33% |
| Efficiency ratio | 64.75% (p68 of band) | |
| Noncurrent loans | 0.17% (p36 of band) | 0.27% |
| Net charge-offs (annualized) | 0.26% (p95 of band) | |
| Reserve coverage of noncurrent | 1069.33% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 209.87% (p98 of band) | |
| Auto loans | $1.5M (0.25% of loans; DQ 1.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 201 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | charge-offs p90 |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 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 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, charge-offs p90, construction >100% equity |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |

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

- 2021-04-28 [Drummond Community Bank Selects Upstart for Personal and Auto Lending - Upstart](https://news.google.com/rss/articles/CBMitwFBVV95cUxQSWVDYUZqTFAwTGRkZjBtT1lPT2VweFp5N1ZNaVMyWGVsZ0YzT3lXQjNYQlVoekRsNkNpcFQ1azlpb1VORnZkR2NyUF9zejZNbWVFWmdSTW9jdkNCLXhSSklXSHhBaVYwQlRIbGQxVWdnSEl3RzdYbmdkbFZWWnM2aTV4SEt1WDNsV1gycXhmR3ZHZmpSalozLXBFR014TVNjemhCcUlmY2F4TTN3dVA2RUdhbms0TFk?oc=5) · Upstart
- 2022-05-20 [Drummond Community Bank acquired in $173M merger - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMixwFBVV95cUxOeVpLZlc1dXJ0N2Eyd09fX1FqWG54aFJrYjNMblRLY0F1OGdxWi1qeXN4cFh3UER2Y3hfR3BodnFWRlFVSF9ndUw1TURIUTBqSkUwbkNZMTVkOEFqLUlRRlo3elJMR053RnZOSzlQNDU2UzJmeFBfdTNReE85dWhxaTVZbmRyV1JOVTdmU2dpRFNsak5Cc0VnVUdoX0NZcWl5VHJ6T0lBWTdhMm41dmVxMVVvTGItb1JtLXNpNk1GYzNJTGxoOFc4?oc=5) · Mainstreet Daily News Gainesville
- 2025-08-21 [Drummond Community Bank $700,000 Fee Class Action Settlement - Claim Depot](https://news.google.com/rss/articles/CBMic0FVX3lxTFA3YTRLdTgwSXNMZDRQSDRVM1h2amxza044X0JzS1BrOVhLQlRpSDRUT1haMGJ1dWpuSE9IclpFdTNtV1I2Q29xV3RXMk83a1JvX2VPOWxaY2JUNm9EX3JESEIyV3ZZSS1WX3A1X2FWaGFWeUk?oc=5) · Claim Depot
- 2022-10-31 [Four Drummond Bank locations to close following merger - WCJB](https://news.google.com/rss/articles/CBMijAFBVV95cUxONEduUXIwYTgyeVVkOVlFWjFNZlFIRVhlbUJpd2thTjVBQ0VsemV1cEIzTmlMWlctSVFGVlVGemxzNHNobUlFdzFsQUNoeG1Ha3J5ZXRWSDd3ZldUQ1BJTXo5cFRMbl9seTBBMEpUZUdLYkg5Rkh3N21VOTFtaVo5LXpnOVZUVFdNbWpxb9IBoAFBVV95cUxQamNjSHJLM0g2cWpzV2REa3djaFktZG5qcHhGZVFNT1NLdDNsNENBY0RUMVlhRXdja2JZdVRSYW9JR0lKeWdGaEdROUZ3c2V5NkpfRWxGNzhuXzMtYVc5Q2NQOFM1ek5UUllZUFh6c2hLQkFFaXZGVnRuR0liTmQydFZseTRMTlljZ0Jib0l0b083eDZLMlZaUENFWlJmV1BJ?oc=5) · WCJB
- 2022-05-06 [Seacoast Bank sets another record with $173 million acquisition of Drummond Community Bank - Treasure Coast News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPakVXdGNndGFLbHdKbHBmSHBXZTNSQ0NxZHQ5RVI2VlRLY05raUNmLXYwZzNQZGVsS0xQMHM0UmpnaVlnR2k3Ni1zUXNiLUY4VndDUjdvWWwwVlk0SE9VUWw5NG9kLUNfQVFuVDIzZHhUQ0F6VDhNemdHUjVaZVhfZkJ1VHJBZDJXUjJNdFRIUG1oTFEtRS1YaE5tb1N1UGF0aEo2SG9VS2M0a3otcHF2dGZfZS1abDYt?oc=5) · Treasure Coast News
- 2022-05-27 [Seacoast Banking Corporation buys Drummond Banking Company - chronicleonline.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxPWVE3TC1LWmlWOVRvRUJQUEx3MkZlT3JZd09wSFNVQTJ5VXl0WW5ucEhibzlIeW5RcGVVa1pDREhJY0pTVE5GQ1BlTk9USE9VNUxxODZuUkNBVmxHZDVLNUJHOEtzMVV4ZWNCcHFBT0FGQUc3TjBjQjhVblNqcGh0NjhRZFdIS1h2SXdxYUhqSnVWaXRjNFNHVVB0X012dm02S0VQeUktdDA3clpMYTRJRy1VTFcwTW9kSVJfQUlXSzNoaVdkQmZfQVFmQlJKRUJBTFN4X08xWTVhQjJ5S29EbzFuVGZ4cFhucVJPWlgwWUdUMFhLX3NfQnUtVlBOSzNrU2VpXy01YzRxOFlK?oc=5) · chronicleonline.com
- 2022-08-11 [Seacoast acquires South Florida bank for $488.6 million; third major addition this year - Treasure Coast News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVEhYR0M5bHRlWG9OME1HNnVBOWlwNldGeWRPdzgxSGRld1ROTDZhV05ndWo3OXJWZ2FlTk9PdzZzc1VOdzVCc2JYMjlkc2pObURpQkNyZy04eDRQaFZxSHpJc1FuREJWNkcxYmJHcExKeFBzZXhJTE9kV0lqeldOSmNBRlExV1Z2d1d1R01Sc2dIbWcyMHdTRDY5S3gwcExzRGNXNmpKMlg3QXZuNlZDamVjdmo4My1ZeVJF?oc=5) · Treasure Coast News
- 2021-10-08 [OWEN BAYNARD Obituary (2012) - Gainesville, FL - Gainesville Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQd2lzanNicEpRRkJLMFJZSWtjSlFrWUtuRXVpWERMQnAwWUtNTkFyeEo4TXV3dm5sM1pFeE5rak9zdXhwTzdPWmVpMHRqbzZEMEZwTmxwRVdObzRDSjEza2w0Y1lobWt0b3hva2ROSUhCOUc3RU5LeXZsZTVXOF8teWxBWEcyUGphRWJqU1hPX3M?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32737 (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/33.json (key "32737", 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