# COMMUNITY FIRST BANK
HUNT VALLEY, MD · FDIC certificate 34614 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $212,000 | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $-25,000 | |
| Loans / deposits | 0.00% (p1 of band) | 69.26% |
| Liquid assets / assets | 89.62% (p99 of band) | |
| Uninsured deposits / deposits | – | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 111.79% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | -11.79% (p0 of band) | 10.33% |
| Unrealized securities loss / equity | – | -0.53% |
| AOCI / equity | – | |
| ROA (annualized) | -10.54% (p0 of band) | 0.77% |
| Net interest margin | 7.15% (p100 of band) | 3.62% |
| Efficiency ratio | 220.65% (p99 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.08% |
| Net charge-offs (annualized) | 0.82% (p94 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -100.0% | |
| Employees | 1 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 5 | capital falling, noncurrent p90 |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-06 | 8 | loans exceed deposits |  |
| 2012-09 | 7 | liquid assets <10% | reserve under noncurrent, noncurrent p90 |
| 2012-12 | 7 | wholesale funding >15% | uninsured deposits leaving |
| 2013-03 | 8 | charge-offs p90 |  |
| 2013-06 | 9 | leverage <7%, leverage <5% | loans exceed deposits, liquid assets <10% |
| 2013-09 | 10 | 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
- 2025-02-13 [Wealth management firm plans for quality growth - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE93cVRIOGgwTHI0cEZaRm15X3VRTzJDWHIySUZ5ZUZ1TnoxaTJQRExfMjd4c196eVV5VjhhMU9PN3BVdENhc2NUUEZXSGVscktGQ1pGbFJLTHlMTXVtdHRkb0RhTlU1cEU?oc=5) · Tri-Cities Area Journal of Business
- 2024-02-01 [Raleigh bank swells to $2 billion in assets with deal for SC institution - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeE1teWlQV2EwS3F2SHQ4cHRpa0JfN05sRjhRb2Nwc0VaUWpIbUJJa29ickY2NmlyMVBwcW1keUlfa19KWW80bE42bHBVRGNPU3gyWXkyOFBiM0plV242RDRpRUJsQlNLa1ZXVmNpUzFCT2ZFVm9CMnhPUmxieUZmR0twQzVtYi1rOUJKRmxoaS1KUzVNRmlEUDZsajJYYkRJaU5uYQ?oc=5) · The Business Journals
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2026-01-22 [Banking on community: First Bank sells headquarters to Town of Southern Pines, remains committed to Moore County and invested in its growth - Greater Fayetteville Business Journal](https://news.google.com/rss/articles/CBMiogJBVV95cUxORjNETTFsel9LTzRGRXVySXJxcXZEU2M3ZU5yTWoxLXhfU3N6alVkbC10cjIzZ2ZTZHRvVjhfNnhMTWdheEhvSFFqQWE1NU54VVlFQkpOcHFRZlBmSkJsam54NjNic250V1BkVG1iR2Z2SEdhMGdabzdFTTEtNWFRTFVFYkR2RXJnWHNBNnRqVGE5bjZ4RkNjdTdzZGZ0ZXQ2STdoTmVuRXE1aHloenhfZV84UnRtZGRnR25DbVRGNzZNQUlrZkpmTnBsV1V1YlNQSFZNT3ZEVmw2XzZ3S1RqTlRNeVdKakdiQjMtOTYwZ1dpVG9zSHpXWkEyc21kTFlTaG9HcU1KeWFyZWx6ZUg1dVV5Q1l6R25BQTV5ald0TlYwUQ?oc=5) · Greater Fayetteville Business Journal
- 2024-03-24 [Ravens Financial Fitness Academy | Baltimore Ravens – baltimoreravens.com - Baltimore Ravens](https://news.google.com/rss/articles/CBMid0FVX3lxTE1hRk9odjczano2RkRMQzhUVDczX19lbXpKNmpJc25YMzFCTC1Fc19ISHA4dlFvdkd2akR3bnR2amV5bEZJV05pa0hpbS1GVjNqb2NQQjl0RkNuZFF5SFpHcXNGRjAyMERsUENNRFZHVkFxZTBkTmFj?oc=5) · Baltimore Ravens
- 2024-10-01 [Fintech Company OneEthos Partners with Montgomery County Green Bank to Bring Affordable Consumer Solar Funding to Maryland - newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQcGJERkNVYko2QmNnUkhoUEJCdElxQ2luY29ULUJjMG5uYmZ2TUdWU1Y4dW5UWGh4UTFIMlZGRzJpUEI2ZGoybUpBSnlEdUk1VE5LOFV1SFlleVFya1JvTzNBTXJDb1dzMEo4RWF2R2U3U1d5NzdUS1Y3Rlh5by12MU0xc1JXYUlxRjNva2pYcGh0cjZNZkZ2WmZXUXFWb3lzSDV6c0tBV1NHbnQ3SUE?oc=5) · newswire.com
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34614 (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/54.json (key "34614", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide