# COMMUNITY CENTRAL BANK
MOUNT CLEMENS, MI · FDIC certificate 34234 · asset band $300M-1B · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $451.7M | |
| Deposits | $371.5M | |
| Loans and leases | $326.0M | |
| Total equity | $903,000 | |
| Loans / deposits | 83.08% (p63 of band) | 78.23% |
| Liquid assets / assets | 21.99% (p32 of band) | |
| Uninsured deposits / deposits | 2.25% (p6 of band) | 11.67% |
| Brokered deposits | 11.94% | |
| Wholesale funding | 29.02% (p96 of band) | |
| FHLB advances / assets | 11.86% | |
| Tier 1 leverage | 0.16% (p1 of band) | 9.23% |
| Unrealized securities loss / equity | 29.24% (p94 of band) | 0.92% |
| AOCI / equity | 8.86% (p100 of band) | |
| ROA (annualized) | -6.69% (p1 of band) | 0.63% |
| Net interest margin | 2.85% (p11 of band) | 3.68% |
| Efficiency ratio | 132.02% (p98 of band) | |
| Noncurrent loans | 9.14% (p92 of band) | 2.23% |
| Net charge-offs (annualized) | 7.56% (p100 of band) | |
| Reserve coverage of noncurrent | 58.23% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 667.00% (p99 of band) | |
| Auto loans | $1.0M (0.32% of loans; DQ 2.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 78 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 11 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2010-10-21 [Mich. Banker David Widlak Shot in Head "Execution Style," Says Report - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQU2E2Mnd4OGxxTVpmMlBWamtyVkRIRzZpcXFES2wxanA2b3RHZ0VoNHJlUE00UlFYeUpkaWFGczM4a1AyVmRJMjk4d0wxY3V5cEJzOXRvQlQ2SGpiSm9YTjdyZl9lZkJMZ25JRDN1eDF5YlR0Y25pNFNrOGNHQk02R04wa0tlQTZsaUlTWkVIS19WT3ZCcjctRGpRVQ?oc=5) · CBS News
- 2010-11-16 [The Bank of David Widlak, Whose Body Washed up in a Michigan Lake, Is at Risk of Being Seized - businessinsider.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNSk1JZ09leEo5TVZzMzVlOXhJRmpZeTBvWlAydUZxeVFOSURmM2FQbUEtZWZFaVg5R1dqeDVqZDlWdGpYS3NNVlVUOU9uaDRGeHZRRkc0X19jWHpYbWtkeFpLVkMxcWtBbDVjdVNQQ2ZNWmdvWHdIN2J1dW9qUG1GejRrRnFVbHRaMlhtYzNBNTBXVG1QOGFDZlhwbFpFWlNqSmxOOTQtRUVhODFvZ3ZxbmVTY0xzUTA0STlMd0RB?oc=5) · businessinsider.com
- 2010-12-29 [Suicide or slaying? A tough call after 100 days in Widlak probe - Crain's Detroit](https://news.google.com/rss/articles/CBMixwFBVV95cUxNV0FMcmczY0pSZi10UFM4Y1M0REFPeGNuRGNnQlQ3akFCTE9BN1lTVEFNSnBxWGF4d2Z3UjFYWEowcFRWNnp1QldIdjdFZkpDUVAtRWZTd1JCdW54eGtxZDZqLUxqOVJzanpFTXlaNk5JRWo2cVB6ZUN6V2JTZlMybF8tNVdOWU1MTmxKdEZqT0NGWkV2OU9Md210WU5OSE5aY1dodnREUmZUczBoM2tpclFQeTY2WXluNmxqYmF5UXBFLU9uS2pR?oc=5) · Crain's Detroit
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2010-10-23 [ANALYSIS: Controversy surrounds Widlak case - The Oakland Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxOXzVFSUg3WUhWR3YxMjA3N1BDdnNlbFVpOWZZam5DWGNuOURmM2wyWjFsdG81WWlRSnVBZXdKejFqdGxzTzlBSEdwVEpGUWt0MTBtX2xrbVFlb1lMVXRNMEtVYW1qRWluQU9GLU1TWWJTdzJ6eXcwZTU5NVA5d2FTdHhHMmZoQ0pzcFR6aEZSUQ?oc=5) · The Oakland Press
- 2010-09-21 [David Widlak, Mich. Bank Exec., Goes Missing; FBI Joins Investigation - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxPTXFSQjU4OUpUV190TjRsM2ZNQkthb0pCU0NZdVZOSWZLVlJPUkxoVDFRWkNtSVFOUXVaRVNfbm1XMTZ5Y0ZzWDZCb0FCeTY3bURXQjUzcVNMQXNQNEYwMVdkbWVuVGg5czlJdGJxSGgzR3NEZDVUTG5ubHplbHZYSGp3OC12c2FTLWNmdVBUVVk2YVFjbEZLdmd3?oc=5) · CBS News
- 2011-11-30 [Widlak estate settles two lawsuits seeking $500,000 over lost investments - Crain's Detroit](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdzVjZmhpWlExTmJ6X2I0VzNIWFZhNmtBQkFxZTh5TVc1V2ZLMHdfcGliUUtubTVGYXJHNVo2end1SUlEdVFwV1JLMm1tZlVmbEIyVk5hTmxMMjlSNGQyUG1zVnJkZnkyQk01WVZsRlVSdXF2MVJKQTZZeDFCRFMyRGRXLXJXZWo2bkFfRGRLLS01SkVIZ3RxYnRDQXYxRlV4azBkRk9lYVM0M2lqRmhVTktvRklsNndSbUF6eHFvRTlubUk?oc=5) · Crain's Detroit

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34234 (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 "34234", 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