# COMMUNITY BANK
TOPEKA, KS · FDIC certificate 34020 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $188.8M | |
| Deposits | $162.9M | |
| Loans and leases | $145.7M | |
| Total equity | $20.8M | |
| Loans / deposits | 88.46% (p77 of band) | 73.59% |
| Liquid assets / assets | 18.27% (p18 of band) | |
| Uninsured deposits / deposits | 16.91% (p39 of band) | 19.81% |
| Brokered deposits | 9.46% | |
| Wholesale funding | 11.85% (p87 of band) | |
| FHLB advances / assets | 2.38% | |
| Tier 1 leverage | 11.49% (p46 of band) | 11.76% |
| Unrealized securities loss / equity | -0.79% (p79 of band) | -6.57% |
| AOCI / equity | -0.61% (p40 of band) | |
| ROA (annualized) | 2.14% (p88 of band) | 1.17% |
| Net interest margin | 4.79% (p85 of band) | 3.93% |
| Efficiency ratio | 41.69% (p4 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 497.78% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 43.42% (p75 of band) | |
| Auto loans | $996,000 (0.68% of loans; DQ 1.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 1 | capital falling | uninsured deposits leaving |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2022-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-03 | 1 |  | uninsured deposits leaving |
| 2023-06 | 0 |  | wholesale funding >15% |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2026-09-03 [Kansas community bank says merger will enable big Iowa push - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNajdFUjVzLW9tRVBoWEx5aEJNRVJpanR2RE1IQ3NJeU1OUEhiUldvYjdZWU1yMnVJa2tIbURodFhUdkEtNkxNeWxES0laRlM2eFpTOHd4bzBodWlFZWZWLVFSenJQWllkT0c5YlJJaDdHTUVQZEM4enhNbmNybEVFUGt3SDcwRF9mUmFFLW4xZUh3Njgyd2hjclRHOA?oc=5) · American Banker
- 2026-07-20 [A Kansas Community Bank Is the Fourth Bank Failure of 2026 - KBRA](https://news.google.com/rss/articles/CBMisAFBVV95cUxNU1lOVkN4b1BXc3g0M003YlpzeGxoTjBJa1E0WEhyXzFJWGVDcUYtM1hvX1ZpTHJmZC1pUWsxVGhXZ1Q2R2dYTkx6RTVhaXV2UEo5UXpHaVdsTExrZ3J3d25hcFJOZ29ObEJ1c0J1LTVpRXhUdk9jZ012TFpPQ0tNd05UamdsanpQN2xUTzJiaUJfRklYdjZ4TjdRZElodW40amt2NkdCQ1JLczNYREN4Vg?oc=5) · KBRA
- 2026-05-28 [Highlight: Community bank ratio of core deposits near 15-year lows - Kansas City Fed](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZlY1M2xvSDREdFotRjFtdWcyNnduOGJUTks3WV9hZEY2SW4xdGE2R3VIWWlSRE9pV0FIU3h1WVZ0OEhaM25BV2VsaW5IbEZrQnBTQnJ0aVhURXc3QTN0VDBDNWMzcE5BNmJScnNTdWRXT3ljSDVHNWtEelNlY0t0cUQ0d2JnZWZhTG51UGRBaG9tZmZ2RkloTUdOTmxBYlc4b3FKX0pJdFEtYkdrSE5Cd1JWSXJ6enhlR3BvVEhZZFNHUnp4TVJuVHN4TGw?oc=5) · Kansas City Fed
- 2026-08-25 [Amaijah Smith Explores Community Banking Through KS Bank Internship - Barton College](https://news.google.com/rss/articles/CBMibkFVX3lxTE9kRzhMel9iTVdWdm5MUHFLSHJzeXA5V3ZDWnhZN1NuWkVnRUo1SDNsb0llLV9lbTBRQUluQ2xDY0ROZFV1SFF5TGprRTNxblFkVUY0Nm5EUEFZemhXbFhOYTJ4R1R4MXpVOHlXeHhR?oc=5) · Barton College
- 2026-08-24 [KS Bank to bring full-service community banking back to Roseboro - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSHNlRUgzYlBieWVEQ0lkaEhnUFdNUGFTV2lRV3Z2VDBpTGJLYUx1N1k3eFlyamF5OHRkSWZMUmp5NW1qV0hac3EzZURMZXlrYXN5N0FlaXZoVllyc1dFVkVqb01rX2lYNUFuYzUxby1LZzNNak1hcVV0TWJZYTcwSHp3R2RDRjZiX1gtanM3V1RhZy1MMVpkRkIwRVM4SDRWWF82WE9BUnZiRGNHT2VQODhBU254NldCRi1jLTFXNFg?oc=5) · Greater Fayetteville Business Journal
- 2026-03-27 [Nacho Ordinary Bank - City Lifestyle](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5QdjhuVFcyY2FkaC1HYk5Hb09TZzhUSTllR29vWFQ1b1FnSzRWcHJ5UmRiSlIzWWZNcHFtUVBic1hnVnUwQ3BaeW0zbXFWa0pZdi12OXdoRUJKdkNKVmpxaVNOMA?oc=5) · City Lifestyle
- 2026-01-30 [Highlight: Community bank mergers increased in 2025 - Kansas City Fed](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPV3JnR21lZ2tpa3BjclNxNG5laURzc2Q0RXZYcVd4dXI2Q2szUU1CZmNUSF9ka0JRS1RxcTZDMzh5bmFzUjNPNDRyM0dZbndYLUJwYWlGTHAyRDhuYjFJTVNobUF2UmRRb3QtTEcwaW5zdl9LQTF0aWlvdUJyeGxKc0JiRlQ5VkRBcTUzQmxFWHBsWmVlS2FFbnNPVVFUZmM0bC1MRFFfQXlFcmdVU2tZcU5ua0FKZHJ2?oc=5) · Kansas City Fed
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34020 (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/36.json (key "34020", 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