# CITIZENS COMMUNITY BANK
POCATELLO, ID · FDIC certificate 34459 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $367.3M | |
| Deposits | $236.4M | |
| Loans and leases | $158.6M | |
| Total equity | $39.4M | |
| Loans / deposits | 64.67% (p28 of band) | 74.71% |
| Liquid assets / assets | 51.50% (p90 of band) | |
| Uninsured deposits / deposits | 3.78% (p9 of band) | 12.43% |
| Brokered deposits | 22.37% | |
| Wholesale funding | 46.79% (p99 of band) | |
| FHLB advances / assets | 13.07% | |
| Tier 1 leverage | 7.81% (p13 of band) | 9.54% |
| Unrealized securities loss / equity | 9.98% (p88 of band) | 3.32% |
| AOCI / equity | 0.97% (p92 of band) | |
| ROA (annualized) | 1.08% (p69 of band) | 0.80% |
| Net interest margin | 3.62% (p46 of band) | 3.67% |
| Efficiency ratio | 52.28% (p12 of band) | |
| Noncurrent loans | 1.64% (p43 of band) | 1.96% |
| Net charge-offs (annualized) | 0.07% (p42 of band) | |
| Reserve coverage of noncurrent | 219.92% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 39.12% (p56 of band) | |
| Auto loans | $1.0M (0.63% of loans; DQ 2.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | uninsured deposits leaving | capital falling |

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

- 2026-02-22 [Regulators shut banks in Georgia, N.J., Utah; 32 bank failures in 2009 - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1zZFZIRjV5OWNjX0d4Y1lGanMxdGl3QVR6T1VnckxNWjI4YWxnbnRESGdWalV3Y0RMaE5yNkhqdjJFc1JyNm5idWdIRThCeUh4S05GeUcxbkhPLTB3MTRNLWp30gFnQVVfeXFMUHBWUWdrdGVkZ0NlYzVqMHU3YkVoZlZUWnZQVkhELW1RV2dEeDJPb2hLT2RvV2RqamtnYm4wTGJIOFN0SHhGcFpXUW9EQlZobkdNNWpkQ2dwVWRoRVFGY0ZsSFFfQ0xZOA?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2025-01-13 [Citizens Community Bank's holding company to acquire Bank of Idaho - Idaho State Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPazJSWVFyWTdaV2dseWdsbndNSDViVTNMazFUQWNTVnQybkFpbWVpaFgxWEFFamstcFdSZllmNGhaS3U2cXhmR0JfUkFRVEJObVd0QzAyZC1vZjJuWHQ5dVUzQ3dobERwZWlfUVFxNDhRMWpsd2tWVVJ1WXNfQ19OMmpWMHBFVkgwQUtYNFhnOEdPZENzRXRzU1FCa2JxX0Q4WkFFelpYdEhfOEM3RXVFVEdhZHI4T1RBNXMySFVoSy0zX2FzZVdtUTRNODNQc3U2NHJHQTB2TVFtVHNzMXM5TVhRR2QtaXZmODEyQ0hsSUJJUQ?oc=5) · Idaho State Journal
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-10-29 [Jake Hansen Obituary Jan 8, 2017 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE9SWUs3TG43X1Q5YWJMR3lSclhWWFNlY2xYZzFSS2dwVEJ6ZTF3TnBDZ1pMRVhQQXdUdURWRllOU2RRZXBQRmhZZ0lvSGdtWGgyenRveEMtMXFVd0Z4SThUM2NoMzZjdVVWTThr?oc=5) · Wood Funeral Home & Crematory
- 2025-02-25 [Citizens Community Bank CEO predicts bright future for company - Idaho State Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNWk85UGhYODM2MmJaa0lVcl9jU3RyUWxEUXRXQUowcGxTUnNwUzNtdGstVTV3dVpnZUdlcGxvcWFiT1h2ODdVVXdpOXBjMjZlN0NWNFpMNEFnX2k1ZXNjck5laEVLblZ4b3JSVFVCc21STVRmMFhDUm1BV3VHNkJLMVp3ZTA2YVNnOHRRNldaTnJObW4tMG5wa2NSQnRRaVVKQU9ydy13M3pyV3ZNaTQxUXFEdjNWbmswanJ3WWw3QjRzNHV0bmJDd2Z6czR2U0EwaV9RYWZpV1hnXzVMU0NBeFBweVhvNlVfUlhSUGF3?oc=5) · Idaho State Journal
- 2023-08-09 [Wheatland Bank to Join the Glacier Family of Banks - Lake Chelan Now](https://news.google.com/rss/articles/CBMigwFBVV95cUxORHBHUVhKdmprQWRrRjFqV3IzY0RPbWp1andjcUNQVjItekNFQzR0azlwRDZwbkdlbnhnNldOZ1JnLWYxaFJ3Z0ZjNXZoeGJ4S0dfd19EWDVpdzNoY3gtVE5aOWpCaVg5TWExMEZhWjVOZm55U3pRVjExS2ZjaXNuLV9nMA?oc=5) · Lake Chelan Now
- 2021-09-01 [Marlene L Scott Obituary Sep 1, 2021 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9zdmQ4VWJ1UEpacW5rcFNreXNqeVh2a2FLbDNNT0s4SFFDcWcyUEN2R2FGU3lKZko1MFZsNlpFRkNLVHBBamNLNlR4UHZGdVBrOEJWVlJSY3E5S1RXZWl4VFVzNmRIa1ZfeTFEcA?oc=5) · Wilks Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34459 (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 "34459", 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