# COMMUNITY BANK
ALMA, NE · FDIC certificate 34139 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $55.1M | |
| Deposits | $32.8M | |
| Loans and leases | $30.5M | |
| Total equity | $6.0M | |
| Loans / deposits | 91.38% (p81 of band) | 73.61% |
| Liquid assets / assets | 40.28% (p65 of band) | |
| Uninsured deposits / deposits | 3.51% (p7 of band) | 13.65% |
| Brokered deposits | 1.31% | |
| Wholesale funding | 30.47% (p99 of band) | |
| FHLB advances / assets | 29.17% | |
| Tier 1 leverage | 10.95% (p54 of band) | 10.70% |
| Unrealized securities loss / equity | 3.87% (p84 of band) | 0.86% |
| AOCI / equity | 2.68% (p96 of band) | |
| ROA (annualized) | 1.82% (p91 of band) | 0.84% |
| Net interest margin | 3.62% (p49 of band) | 3.64% |
| Efficiency ratio | 54.80% (p11 of band) | |
| Noncurrent loans | 0.16% (p25 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 938.00% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $811,000 (2.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.6% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | wholesale funding >15% |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | wholesale funding >15%, capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | wholesale funding >15% |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 2 |  | wholesale funding >15%, capital falling, assets shrinking |
| 2014-06 | 1 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |

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

- 2026-09-04 [Georgia investors evolve their plan for starting a new bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNLTVjLVh6d1lndlJVcVYxTnM4d0VFSllnLUdneDZrdTZGZnNLTzNhdHJnaXZzXzdsRUpNaFVhYTdRZkozdktnME5aRmVBOHU3NXF1THlKVG1WSC04MFBFN2FYQTAwRE00Rm1HdGJ2ck5OeVRaM2Q2dWpJem5WNFQxZ3R0SmluVFcxMDV3aFJheWdnbWlsYVJXeDRUbw?oc=5) · American Banker
- 2026-05-20 [Community Bank will be moving to clear the way for Camden Clark’s new East Tower - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMizwFBVV95cUxPUDhzYS1RUi1VakhIYlUyelAxZkdGTnVkSk41aGUzYVFxR21tbl9zeExXUXZYWGY0Qkg4d0o3YTFwQWswaENkazRjSlNia19ZbTBLeURXOHRsSGl6OUpzcm45VGVqb0RQYldLNm1PdmY2UEMyd3RrR01xQW84UDNNdEE5aWxJMjdkT0Y4dEVmZUh5RUdVVUpjd2NIUW9hMGZMWHlqaDUzQ2ZzTGNtLTREdnAzOGp0QnNra2QyRmhYSXprMTdlNmNkNWRjd0VySGM?oc=5) · The Parkersburg News and Sentinel
- 2026-05-21 [Community Bank to build new downtown Parkersburg headquarters, branch facility - WTAP](https://news.google.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?oc=5) · WTAP
- 2026-08-27 [First National Bank celebrates new branch with ribbon cutting - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY0swM1owcnh1Ny1RNTZaeVFMMlNQbUNzT3B6RXp5NWw4VFZIWDlZbnRpUnR2S2FEZE1SbENYMkE5MzcxQVVONFppRG5MY09JVnpwMTd0LWo3eFJzWFhpTFdYSF84ODl2NndMX1hYemFXS3h6NHQ4bnA4U0k3ZmttMk5FMmxaTjR2eVVva2NNQzFISFQ4?oc=5) · SiouxFalls.Business
- 2026-07-16 [Former BNY exec seeks to launch community bank in Pittsburgh - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxOS1NTbGZENnlIV3RsQWJpYTBha2QybEtYck9odUhFTXhBSzZ1V01nSmdFWE5LaUhSUEJ2dXRQcUhyVXFXLXh6WnNTcHhzelR5eEtqMnF4TFVEOHlNN1BYZDJEbE5wZDhFc2w5SURKdzUtVno0V2VBSU16UmJZbE1MUW5hRmZLQXgtWDBTZDlSaXJUTnJfZmJjYjZwdw?oc=5) · Banking Dive
- 2026-06-10 [Tompkins Community Bank Announces Planned Name Change to Tompkins Bank & Trust - Berks Community Television](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaGZJV05wdkkyMDhHNXdGeTVfdF9lUmNYYnEwSWp1UUl4MTVXM3haU3Fka3FzbTFzdUtSR3N2V19XZThYOUVMMW1CVi0xS2xwQTdkV3g1MFNVeTc1Q0pQZEhpVDNLR0NhSG9UX2xncWo0X2NtUVNoYkZBLTR1TGc3MWJGTUYwVV9mSmZtNDBWZi0xV2Z6NW03VHNuVFg3c19PME5McmdOVUpJbU1NeVE?oc=5) · Berks Community Television
- 2026-03-16 [Community Bank Has Big Growth Plans for NH - Business NH Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNWFPLTFaN2VVakxPcmZKZWNramlNbmFmWUZiOVQzVEd4QXY4cWNKdllwdHFfQVNfMXFDTkNvdVZYOEtUdVRmam1rX3ZrdXp4MEV1X256QzBiRDNlMDMzWDY3RmxLdDZ6RlIwczVTTENxZ2M2TVJhY3dobVM3eEZVVmRhbkZkNnFZTXgyeGtB?oc=5) · Business NH Magazine
- 2025-12-17 [OPINION: Community bank survival does not hinge on stablecoins - Nebraska Examiner](https://news.google.com/rss/articles/CBMimgFBVV95cUxNbTlLT3hpTTFxWDh3ZjNLWmxCcV9leUlVTDlRa3EteEVFVVAwckdrcnJURmVzOWhwa000NVItVlhVWmlJcTViSHFXbmd4eTMtdlAxc0Q3NDdGX2lCalo3TmFiQ2hnTWhCcGxieVVEVUR0WGVxeTc4M0dYQWl3SE9MQnNDMlQ4SFcwLV9XNFY1Y0ZQTlRRT0NjaUpB?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34139 (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/27.json (key "34139", 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