# COMMUNITY BANK COAST
BILOXI, MS · FDIC certificate 34121 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $839.6M | |
| Deposits | $750.6M | |
| Loans and leases | $653.1M | |
| Total equity | $83.0M | |
| Loans / deposits | 86.13% (p52 of band) | 85.15% |
| Liquid assets / assets | 14.73% (p21 of band) | |
| Uninsured deposits / deposits | 17.89% (p36 of band) | 21.69% |
| Brokered deposits | 8.75% | |
| Wholesale funding | 8.86% (p61 of band) | |
| FHLB advances / assets | 0.12% | |
| Tier 1 leverage | 8.43% (p8 of band) | 10.22% |
| Unrealized securities loss / equity | -1.58% (p28 of band) | -0.60% |
| AOCI / equity | -0.41% (p11 of band) | |
| ROA (annualized) | 0.63% (p27 of band) | 0.90% |
| Net interest margin | 3.96% (p69 of band) | 3.66% |
| Efficiency ratio | 66.37% (p47 of band) | |
| Noncurrent loans | 0.32% (p34 of band) | 0.54% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 313.39% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 97.69% (p89 of band) | |
| Auto loans | $6.5M (0.99% of loans; DQ 3.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 154 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 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 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 | brokered >10% | reserve under noncurrent, capital falling |
| 2017-09 | 0 |  | brokered >10% |
| 2017-12 | 0 |  |  |

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

- 2026-05-11 [Niceville native Emily Wright named vice president at Community Bank’s Coast Region - Get The Coast](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPS0NLR2JONkpEUU5FSEF3bDA5RFFJcFdoNnkwSnJVM2pvYUpfX09TLXVJSWw3WlFlNk5qVVFxWllOMEh2a2JNdXhXWWUxWlBUZXQ0NHMxckNMRHVXSHpwMVN0Nm1QUGJBc2hyd1pLSTh3c0Q1QVhQdmlJZnNwX1ExYnRvdVM1NEtXdThKUF9RNi11MWg5U2lZR2JtQXdVSkZUVER3S3RwLTVOU2s?oc=5) · Get The Coast
- 2015-08-27 [The Best Banks to Work For - American Banker](https://news.google.com/rss/articles/CBMigwFBVV95cUxQQ0Iya3pvLVZteXJDVEtsMUdIZlM0bVk3ZWYxSnpvOTh4WU9qT01raHJpb0hoT3dHekFfOVp1LXIzODRUTld1aE5qcXBKUGVYUGxtVGZRS2xBR09zLUljT2lFcHBSQ20zTExZWHlGbDNJZzRIUlhLQUtmcjhEeWcyd0lYNA?oc=5) · American Banker
- 2017-08-22 [On the Move: New hires, promotions, recognition - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbmlOVUZNdHp3NE5DOUk3ZWlGelJhcmEwWndwb1RBaU9ZV0d3UW55X1pXTVZqaGhrQjBPbU5rb0FLaDhzQUFaZEYyWVdBamRuTmFvb2V3dzQyODhqX1U4Y19yTGhsbHpOZXJaQm9YamVzVFVxM0JQakdtSGRrYlVZSy0xbzc1akk1OFdhMkl6bXRlSU5PckFqZXdVRThSUzdHRHc?oc=5) · The Clarion-Ledger
- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - iMore](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · iMore
- 2026-08-12 [DONALD PARKER Obituary (2026) - Arroyo Grande, CA - The Hanford Sentinel - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPbHdna3R3dnNBdGdUZkc5anRURUNNMXEtMTM4MEc4dWhZUkU2V3RCanQtZU1UeTlWaS1lejI3N09jQmlwVHROWUlGbWlyNmI2RzJiRGNuSno3NlRSUUFFS2lBdE5SZVp4SkNtV0p1NUM1WERQTVNBS2FYUlNqY2ZsdmZQdWdhS29XOXF6dmxoVVowTFdjSndR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34121 (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 "34121", 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