# ALBINA COMMUNITY BANK
PORTLAND, OR · FDIC certificate 34106 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $180.6M | |
| Deposits | $161.0M | |
| Loans and leases | $124.8M | |
| Total equity | $17.3M | |
| Loans / deposits | 75.79% (p50 of band) | 75.88% |
| Liquid assets / assets | 27.87% (p44 of band) | |
| Uninsured deposits / deposits | 12.45% (p37 of band) | 15.42% |
| Brokered deposits | 3.66% | |
| Wholesale funding | 3.73% (p60 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 9.42% (p24 of band) | 10.88% |
| Unrealized securities loss / equity | -3.30% (p15 of band) | -0.66% |
| AOCI / equity | -0.15% (p25 of band) | |
| ROA (annualized) | -0.07% (p7 of band) | 0.85% |
| Net interest margin | 3.97% (p65 of band) | 3.74% |
| Efficiency ratio | 85.95% (p84 of band) | |
| Noncurrent loans | 0.10% (p26 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p15 of band) | |
| Reserve coverage of noncurrent | 2198.40% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 11.53% (p42 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, leverage <5%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 4 |  | noncurrent p90 |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | reserve under noncurrent |
| 2012-12 | 5 | losing money, expense ratio p90 |  |
| 2013-03 | 8 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-06 | 8 |  |  |
| 2013-09 | 5 |  | losing money, deposits shrinking, assets shrinking |
| 2013-12 | 1 |  | leverage <7%, leverage <5%, expense ratio p90 |
| 2014-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2014-06 | 2 | capital falling | noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 3 | losing money, expense ratio p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2017-12 | 1 | losing money |  |

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

- 2018-03-08 [A Vestige Of NE Portland Is Gone: Albina Community Bank - Oregon Public Broadcasting - OPB](https://news.google.com/rss/articles/CBMipgFBVV95cUxNa2JvdjNkUmQ0MzFDQmgtVVNLd1FqSDRMZ0NPMkFwMXVqdnVuRTFwVnJGLU9DVzNVVVZIc2twbzRKOEc4bldqZjJtV1NwV1h3V2NfNkNwa20yMXNiOXZKZTQ1MGYwaXQ4cElzbU1hTUJOdG1yY3pxb3dhUDIwTnIwOTBaZUkydTJQcUJXR3lVWHZWZ0J2WDJzZnk5eEIxcXlFa0RWaS13?oc=5) · Oregon Public Broadcasting - OPB
- 2018-02-06 [How This Bank Merger Will Preserve Storied Portland Bank’s Community Mission - Next City](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMG9nUk9PZUtIR3VYWmYxV2w0ZVNZOTkzdkpnWk5FZXJFbjBzR0R0YUVSYmY3TlpuNkV3ZmtJRG5Hc2dnLUw0a0Y4SHF5eEl3TnpmeFktMFdfeHZEaGdNNDhHOV9YX2RvOGhFQWpmS3RxY095RURKZkZoNG9jZUVsbXZtX1F2TGktbl9OMWZlbWQtd1RrZU9xbFUwTjlDbUEtVmtKYkViTlM0SjNNSzBv?oc=5) · Next City
- 2017-12-12 [Albina Community Bank branches to become 'Beneficial State' in February - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZVJ6Z0JPaG9ZNG92U3RIdFRWTlFjZ1BsYWZqWXBiMnEtdzNCeGFlUnZWNXNQQUV2TVZtRGZQRkVzT25wakE4YXFEd0dEcE84enBCOXppV0NadnZYXzRmaENxRGUtbGRrMXRxQlMyaGtoM1NzRDNBM002VFZ4YmZQNGtMVmk2bFRwbzFDVV9hdVZUWHU2QU9YWXhJVDlaUXc?oc=5) · The Business Journals
- 2016-08-04 [Man armed with knife wanted in NE Portland bank robbery - KATU](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNRURHdWxITTl6c2RpVXNaTVZReHNSSVl2Y0dLZ25CSDFOaW5RRUxMelBlM0RIUTVwVk1vM0JtY2VqRm1mMk55eUlWMHhnUzlzU01iYk1uNm16emgyaldreVJ2b0EzR0cwUDFZOUNtYWxnY2NmRDFvcTlxbG4wck80eG52WVRVRU42cDJv?oc=5) · KATU
- 2020-02-03 [Bank robber who leapt over counters in six holdups is sentenced to more than 8 years in prison - OregonLive.com](https://news.google.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?oc=5) · OregonLive.com
- 2009-09-24 ['River Rat' Hits Seven Bank Robberies Reward Increases to $10,000 - fbi.gov](https://news.google.com/rss/articles/CBMibkFVX3lxTE9jbXp0ZWVGWXV6TFl3TnZKMWhSR2xWc3k3YzI4VE9sRmU1SE8xWjllV0QxRzFSSnhvd2FIeXRDZm1BdmREVV9KZjZCQWRLdHpXMi1vQXl0eDhQc3hnV3Z4Wm9SWWdsOFdfeFUwM3Nn?oc=5) · fbi.gov
- 2023-09-10 [Oregon credit unions warn of imposter text message scams - Oregon Public Broadcasting - OPB](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNS0pBMGdGaU1xaklsQzB4M0c0Q25sOVhrbUFBREtjbWtmdU9oWFp3cERfamFwdS1GaTBRUHJodzY5bUlMQ3k4VmZ2REtLbEVhTmFtdFRWM2R1bHJnWDlsZV9SOEItYnBMUlJSZTBZMXgzT2Uwck9kNlJlc3ctN2xrYTJZeE1CSWlfZi1V?oc=5) · Oregon Public Broadcasting - OPB
- 2017-01-11 [Albina Bank CEO Cheryl Cebula to step down - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOUTFwQWcyQlplQVFObTVVTnJOdUtScUd4SWFiVVpiU2NqREhyNlpNWjdVN0szOGxlYlhpV3FWUVg1dGRNM1NQZ0RkbWFMLUJNTktoSURwSEpRWWtnaE1wbFlUZUttbEJzZmhyTTlVNWptRmc2WXBLS1FMbVA1WUNTUzhhcUl4NE90VHRNaUM3dkNZZTVydGtFM2hxZDcwTmVmZ1E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34106 (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/58.json (key "34106", 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