# COMMUNITY NATIONAL BANK
WATERLOO, IA · FDIC certificate 34503 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $276.4M | |
| Deposits | $240.4M | |
| Loans and leases | $188.2M | |
| Total equity | $30.0M | |
| Loans / deposits | 78.00% (p67 of band) | 69.26% |
| Liquid assets / assets | 24.28% (p26 of band) | |
| Uninsured deposits / deposits | 17.23% (p71 of band) | 11.87% |
| Brokered deposits | 4.62% | |
| Wholesale funding | 6.01% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.57% (p36 of band) | 10.33% |
| Unrealized securities loss / equity | 0.00% (p62 of band) | -0.53% |
| AOCI / equity | -1.80% (p61 of band) | |
| ROA (annualized) | 0.40% (p25 of band) | 0.77% |
| Net interest margin | 2.12% (p4 of band) | 3.62% |
| Efficiency ratio | 68.15% (p37 of band) | |
| Noncurrent loans | 1.34% (p56 of band) | 1.08% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | 27.25% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 30.29% (p67 of band) | |
| Auto loans | $940,000 (0.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, charge-offs p90 |  |
| 2013-06 | 3 | NIM <2.5%, reserve under noncurrent | charge-offs p90 |
| 2013-09 | 2 |  | capital falling |

## 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
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2016-07-21 [Kelly Paul Named VP At Derby's Community national Bank - Caledonian Record](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUmxyWlMzdkNCS0FRT3pnTHM2bXV5djlmeG1zaDVaY3hjczA5dDV4MUpmQ2o1OGM1V3NZVFZtMjZWQUk3b1F5a2tmY2pKRXdRRkRiZ3VxRUlEMEdTWU43SkpmTzRmdmNHQ0c0SFE2Mk5UeEhHRmFKck9kOHNOUnZ1UnVGTVREcWtVNlhaRHFVWXphdWJVb1JsZW5VTFpJRzdCUFZGQ0N6LWt2RXR3dXBXNGwtaTNpb2ZPVHlKQ2VXNUdKQzF4Y2NlRDFVMzFuVUFLa1p2X1BFZHdISTFodzhsMFFBVUd4Wm42elE?oc=5) · Caledonian Record
- 2025-07-11 [Benton man charged with robbing El Dorado bank | Trusted News Source for Wichita & Kansas - kake.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPZkZqY2VQZmxrbVVqcEt0a2NJUUlrbGFYcG1RQjJCRmRZTGNncVg3aDhCbzF2cTNRT1ZkV2w3Y3dtY1pQTDBqeFJINUcySERmbm1DWm1TaE45TU9WMmYxbUg4MXItLTIwMlZOdlc4VkJVdU1uRDYxQTFlUmxoUHhsdl9XR05ZUWstVG5UV3l5WVRDbjBYSWhicHFWbDF0dnBSVExCVlpWbXVBTkZ5VlFGZVNXdTZWVVVrbHRON1UyRQ?oc=5) · kake.com
- 2024-05-29 [Donald W. Perrin Obituary Jan 22, 2018 - McGuire & Davies Funeral Home and Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE13UDR6bGozeVF4WXI5b1Axek1HR0YxcUs4a0hIUTBXM00xZ3poUnFraU51NzU5d2RZUm9GSDYzYXl5WWtJX2luSmdlRXpKZzZySlJmaHBDMGt6RVY3Z2V3elVQTGE5MVVHSkRuUFlLTlM5Q1g4UXg4?oc=5) · McGuire &amp; Davies Funeral Home and Crematory
- 2024-04-11 [Donald Miller Obituary Feb 26, 2008 - Amundson Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1UTlN1WXRwOWdIWWZKYi1mYWVPRFJsdGNJX2syc0l1MVNLTVh5eEl3Q0QwQVBBV1MzMGE5RlJJcTcyZmJyMWRkX202bDFSWVF0YnhCQjQxNTZFQVJHN29xRnlfYWw?oc=5) · Amundson Funeral and Cremation Service
- 2025-08-17 [Delaware County bank with regional reach marks 100 years in business - biztimes.biz](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3EwSHVwTFVPVlJFZDhyQWp0V3lHMUplRnR6aGxPUjZVUDc0WU1idUFYbi1WaWFUOWpvcWtkN2s4TTRfRVBzU2o3aWs3bjQyZEMyMEFOd25tMGdLN3pJb3VKclp3NEQ2TmVrZ0J0MEh5cVRSQ1JRQVFxTnZzMmoxWnRCdmozOThQRkhLRzUtYXhCQXJz?oc=5) · biztimes.biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34503 (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/7.json (key "34503", 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