# COUNTY FIRST BANK
LA PLATA, MD · FDIC certificate 32904 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $226.7M | |
| Deposits | $199.2M | |
| Loans and leases | $144.0M | |
| Total equity | $26.0M | |
| Loans / deposits | 71.48% (p42 of band) | 75.88% |
| Liquid assets / assets | 32.18% (p54 of band) | |
| Uninsured deposits / deposits | 16.79% (p56 of band) | 15.42% |
| Brokered deposits | 1.57% | |
| Wholesale funding | 1.57% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.19% (p55 of band) | 10.88% |
| Unrealized securities loss / equity | -1.90% (p28 of band) | -0.66% |
| AOCI / equity | 0.00% (p44 of band) | |
| ROA (annualized) | 0.40% (p21 of band) | 0.85% |
| Net interest margin | 3.67% (p45 of band) | 3.74% |
| Efficiency ratio | 77.66% (p68 of band) | |
| Noncurrent loans | 0.44% (p45 of band) | 0.56% |
| Net charge-offs (annualized) | 0.48% (p95 of band) | |
| Reserve coverage of noncurrent | 243.64% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 33.14% (p67 of band) | |
| Auto loans | $217,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 3 | noncurrent p90 |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 1 |  | capital falling, noncurrent p90 |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 | noncurrent p90 | capital falling |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | charge-offs p90 |  |

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

- 2026-04-25 [Obituary | William A. Roberts, III of Bryantown, Maryland - brinsfieldfuneral.com](https://news.google.com/rss/articles/CBMickFVX3lxTE9WNldtWF9xYkVBRkpNd2l2c05tSkZFblNCOW9aeHlueUtXZEVZTzBYamRxVTlMVHJKazJMSkx5MTBmczhhWUtPZ2xaSmpCVlQ2TVZJU0l5Y0ZVdFk1cUI1V1ZIaUpkZ1BFOVpxN0ZQYTA2Zw?oc=5) · brinsfieldfuneral.com
- 2016-11-20 [The 26th Annual County First Bank Art Show - The BayNet](https://news.google.com/rss/articles/CBMiekFVX3lxTE1wcm9WQmFKVmhzUWI5SXRkZkZrSGlnOTlmRHc4MC1lbE1nZHBmM0dGWTU0MTVHWlM2SnVzMl9zX1NleEFjdC1aRlFjOFFzNll5N0NuV1hDdFVuY3FySWtMN0FxUjIwZmVwakVFWXdSN3pDd0wtUVVSUkx3?oc=5) · The BayNet
- 2002-02-02 [100 Years Ago, Fauquier County's First Bank Opened Its Doors - The Washington Post](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNMmJCUEJJVkdNZmYwR2dQeFhxX2Zsc0R1S09sclBHZ285MmU1NDFhUDNlVmJ5X0Z0WjRDYnhmb1oyQlZQMk9OTzlxQlNsdmtzcEZoelVhR1lvYlFPYkRiWjZmOEdEajNnWjlNb1RpLXZsUktMYW9LQ0dwU1liZldaLTBaZXpfMVZBd0d4WVV1ckhiUjNuSWxBSnhWU2Qtbk00a2RwRFlGeHozYlNNWmxOeWswN0Y5QU8zSktTbVRmSldpVEY4d1Z0ek04MjBBUkU3OThlUk9HUUNEYzZKcDRadVd0eEFvNmc?oc=5) · The Washington Post
- 2016-09-23 [Jensen Conklin named 81st Queen Nicotina - somdnews.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPOGVpZVV5QVBUZG5QQllPX21xb2hqZmF5cFF2Z0lMNGxDazRlQjlYRTRIUENkcTcwMjlBSGlmaS1vVmVRdWxMazQ1YU9FQ1B3LVpKTUVVd29YdnU4TFhGT0hIeXd1MGZaU2RBSnA1NU5VOGkwcmpNNkgxNTZZVkVxR1Y5RlFIQzFKTmZYclhvTGFjU3ZhQS1zZXNZb2phWTlYN3RwdXN1N21PNHpPVHN1d1dFcjlzT0RIbmxXa09CMkFJUEJhUlNGWG9jaHJOM0NLV3VUVC0yTS15c2VjRWFJ?oc=5) · somdnews.com
- 2019-01-11 [Joan Lyon Higgs, 80 - Southern Maryland News Net](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1tLWItbndTcFVDSmRDNThFZG5nUXRFdDVfdDV2elRyWU9yQldCM1ZXWXQ5bGJGS2VBUFRDTWg1cGZYY2NNcTh2RHBhbzNsV0FyTEQtZ2cySXdZYXdYeDZtakkzOUE5Z1Bk?oc=5) · Southern Maryland News Net
- 2009-01-07 [Eva Irene Davis Obituary | Southern Maryland - Southern Maryland Online](https://news.google.com/rss/articles/CBMidkFVX3lxTFBBOWxMSXdiRm1uTnJXUExnQ1Q5b3dxZGhyYi1uU2lwWkd5NGsycFAyeHJBX0JReFNfdWdDVV8xVjEyUk9qc1Rmd3liMjg2V0lEU1dXM1BtRkdCUWFkei1hb3IyeDQ3Y0c2Qy1OYS1YSmtxdElzYVHSAXtBVV95cUxNRHdaVmo3NlNFWXlrNW5BRkFvaktwMGhYbUliUm52bkN0c09FMFUtMnZsNEppMi1qSWZweU5ZeFRqWmdZN1V5S2ltdFh0Nk5vV1NRcGVvekFPbVZFS3ZkcVdiZkVBOTVTOUtBOEpTSXV5VTFKUF9aRmlEem8?oc=5) · Southern Maryland Online
- 2017-07-17 [His job was detecting counterfeit bills. He pleaded guilty to stealing real money. - The Washington Post](https://news.google.com/rss/articles/CBMimgJBVV95cUxOUWtzME9YRnZOME1QY3RWUWtmLWhab2NRV2doQWhxQmRhb0s1alNMVkpNU0dVbGRQYjNhWC1sSFdSeUxzdllGOE4zTElGTXZKQTBzWjI4dDUzMHM3MlBGbGxiNzFHM3JLQWlIdlk2bHZoUThuSGlmbDVFeVNOSmtLVkNPTHFGa1d4TjkxTkROLUhEcEJ6cjhzbDdrblcwQkhRa3NnRlFDV0VaOVpTVWJtU3hBWHEzUWJUVWpRaXFsNGdjMEZ6emdndUZzUC1aakR4anpyV2VFTEstRzlKVVd1ZzFGV0FtV3pWaThoamZyX2lzVm9nMkdRZHNKNk5HSUo5VkwyQmpJMkVNb1RhRDYzN2ZwYWpIdS1oVFE?oc=5) · The Washington Post
- 2014-08-06 [Swan Point is off the beaten path, but worth the drive - somdnews.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQX1EwZ2hsNnJxcFNlSXJFOVpRTm9oeXczSUtxaXZRb2VEVDRacHJFbXVEbWgza2FLVS13dVo5WldlbnZOclJpLU1MSEViT3RxVmVESURxcmF6UmdXWnBNVDNHb2s4N0xQdXBaejB0N01zMktJekY2RFNJZkdsZG1CQzdyUlVqaV9jeENaVUJrZk5KYmtNa1dKWEJ5Z0ZLdzFMOUQwbUU0dmlDUk84aExKaTFKMmdkZm5GajlHVzQ5d1ZYX21MS3pfS2R1akh3NEVmU1FZWU8wbWs?oc=5) · somdnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32904 (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/8.json (key "32904", 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