# COMMERCIAL CAPITAL BANK
DELHI, LA · FDIC certificate 34784 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $611.4M | |
| Deposits | $453.3M | |
| Loans and leases | $490.7M | |
| Total equity | $65.1M | |
| Loans / deposits | 107.14% (p95 of band) | 82.04% |
| Liquid assets / assets | 16.57% (p20 of band) | |
| Uninsured deposits / deposits | 31.35% (p71 of band) | 25.97% |
| Brokered deposits | 3.27% | |
| Wholesale funding | 17.99% (p92 of band) | |
| FHLB advances / assets | 14.72% | |
| Tier 1 leverage | 11.45% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | -0.79% (p87 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.91% (p84 of band) | 1.28% |
| Net interest margin | 4.24% (p70 of band) | 3.91% |
| Efficiency ratio | 49.16% (p16 of band) | |
| Noncurrent loans | 5.66% (p98 of band) | 0.43% |
| Net charge-offs (annualized) | 0.22% (p92 of band) | |
| Reserve coverage of noncurrent | 18.00% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 104.11% (p88 of band) | |
| Auto loans | $6.2M (1.26% of loans; DQ 5.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **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 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 | uninsured deposits leaving | capital falling |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 | loans exceed deposits | capital falling, noncurrent p90 |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | loans exceed deposits |
| 2017-03 | 3 | noncurrent p90 | capital falling |
| 2017-06 | 4 | loans exceed deposits, liquid assets <10% | noncurrent p90 |
| 2017-09 | 4 | wholesale funding >15% | liquid assets <10% |
| 2017-12 | 3 | liquid assets <10% | reserve under noncurrent, wholesale funding >15% |
| 2018-03 | 3 | wholesale funding >15%, reserve under noncurrent | charge-offs p90, liquid assets <10% |
| 2018-06 | 4 | charge-offs p90 |  |
| 2018-09 | 3 |  | reserve under noncurrent |
| 2018-12 | 2 | capital falling, reserve under noncurrent | loans exceed deposits, wholesale funding >15%, charge-offs p90 |
| 2019-03 | 6 | brokered >10%, wholesale funding >15%, noncurrent p90, charge-offs p90, assets shrinking | capital falling |
| 2019-06 | 4 |  | wholesale funding >15%, assets shrinking |
| 2019-09 | 6 | wholesale funding >15%, capital falling |  |
| 2019-12 | 4 |  | charge-offs p90, wholesale funding >15% |
| 2020-03 | 4 |  |  |
| 2020-06 | 2 |  | brokered >10%, capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 3 | charge-offs p90 | capital falling |
| 2021-06 | 2 |  | noncurrent p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | reserve under noncurrent |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 1 |  | noncurrent p90 |
| 2025-06 | 2 | noncurrent p90 |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | charge-offs p90, construction >100% equity |  |
| 2026-06 | 7 | loans exceed deposits, wholesale funding >15%, capital falling |  |

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

- 2026-02-24 [A Baton Rouge bank is selling its Arkansas branch. See who it is - theadvocate.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNZTZudXBaM0lsd1JxZjJiTnhvRkVIaUNPYWhqMTVqd3hsMlZCTXB2ZFY5ZlJiYVRnaHdkYlQwSFRxWUdRTF9xYk85c05SVU9yQ1FWVENJdXhVdmFHdTZUNXBDcWRFTnQ3Sk1CQldyY3hOd2ZXMTJwNEZ6aDBmQ25raThpYzFmQzZCbEwwQ01uNEdxUTFwTE1WOTBXQWppekRIWF9lLWRwSktyaGVabmZjQzQ3ZWFOdGZhTlRzLW8tWjFyeUpnYkpvbE5MNWZkS09jYjhF?oc=5) · theadvocate.com
- 2017-03-13 [Lawsuits accuse NELA farmer, banks of illegal business deals - thenewsstar.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQSFA1Vi1xNjJaR0ZZMTZHN1FFc2pZLWY0eTBPdEhNYV9qa3RLdHVZUVVnZW9iaGlfREs5a3dqYVhISFdQVkRZVWc0YkZNY2l2bFpHeFQ2T2Vycmo3R3dVQTZWT3pYck5vaVh1S3B2X0NYRFZHSU4yZDZvWFRJUk5pNUNEOFpzYkd3Q25CZ0lLS2tHS3dDc1ROQmg4RkhlOE9pdWsySmJZX2FBakFERmlLZUZpUFpURkRiUG9wejUyTl9qdl9o?oc=5) · thenewsstar.com
- 2026-09-01 [USDA Rural Development Celebrates Groundbreaking of New Hospital in Delhi, Louisiana, with $79.1M Investment - USDA (.gov)](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNTjQ5U0l6UjhmanVKbk9rcE1oZmdheFJ1dlVwWGMtNWNLOHBGZWVYSWxTdnhBM3BIRG15cmdUb044ZklUb1VXd2JyQWxCWjM4Q2lSYllDSnRRaDlZQnplQk1acW9MZFBZZjZodVVULUlhcjUzdHlGUEZyTFlNaHljRG9qbHF6WHlPZWl0eTZpQnN2UW41SldXM2Z2X3Y1LTdoU1Q5d1ZuZ19TWG5YZEVTRl9yYWI4NXRiVkJJMXJ5Wl83NnMyVG9rbXkweUZZc0hUVFh5VWdn?oc=5) · USDA (.gov)
- 2025-02-18 [Genesis Bank, built for acquisitions, strikes first deal in California - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQ1AyNWMzMWdOSWRYWHNab1JBVHhETnp0c0tTOTFXNXNLaE5jb2ItSHZaZGptMWpoLW11bW9GY2RRQ3VzaWxNMU9BT051a2lTekVBelY4WFpfQjBrVHVVR0FJNVFJR19oenI2emtzWEVlcEZaNEJhWVJmVWdJbFdqMmRkeFhFSUViU0Q0MlJELUZKMVNBRUQ5V3VwSXpwejU1eUFBcVg0UQ?oc=5) · American Banker
- 2006-10-17 [Food bank reaps over $1 million - Orange County Register](https://news.google.com/rss/articles/CBMieEFVX3lxTFA2RkVrNG5qLUo2emtXS21Tb0JuckhLaGJFZnJnalA1QXJFbDZPa2Z1UWltWEpqT2tuZTZtcGlfRUZBajNPTDNRVUd0RXpUSzQ4MVpPcXluV1JISVNPVHloektBUjA1dTdIZ0phQmIyd3d0TWMxWFUzRg?oc=5) · Orange County Register
- 2006-01-17 [Charity jumps into Pond to assist kids - Orange County Register](https://news.google.com/rss/articles/CBMigwFBVV95cUxQeWxhT3U3UjFHQVM4aC1tU3FUV1V4c2VzU2ROR0YxZkZPQ2hLZkdzVnAwd1BqMVdtOUJuenFDTXFtbkU2dkpPM3RTR2QxSmlPTTdCeVR0NjhqZFVfN0hZdzhJSV9neVlLZjhnRTF0ZElnVEFSeGdFQm9aS2Q0ZkJicUVGTQ?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34784 (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/32.json (key "34784", 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