# LANDMARK COMMUNITY BANK
COLLIERVILLE, TN · FDIC certificate 34982 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $978.8M | |
| Deposits | $813.3M | |
| Loans and leases | $784.4M | |
| Total equity | $107.7M | |
| Loans / deposits | 95.71% (p92 of band) | 70.11% |
| Liquid assets / assets | 15.95% (p8 of band) | |
| Uninsured deposits / deposits | 52.24% (p95 of band) | 26.09% |
| Brokered deposits | 5.81% | |
| Wholesale funding | 10.62% (p88 of band) | |
| FHLB advances / assets | 4.81% | |
| Tier 1 leverage | 10.64% (p67 of band) | 9.79% |
| Unrealized securities loss / equity | 0.93% (p52 of band) | 0.82% |
| AOCI / equity | 1.66% (p99 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.18% |
| Net interest margin | 3.41% (p53 of band) | 3.35% |
| Efficiency ratio | 55.58% (p30 of band) | |
| Noncurrent loans | 0.68% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p78 of band) | |
| Reserve coverage of noncurrent | 111.43% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 60.44% (p72 of band) | |
| Auto loans | $360,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.8M (9% of equity) (p97 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 3 | reserve under noncurrent | loans exceed deposits |
| 2012-12 | 4 | loans exceed deposits, brokered >10% | capital falling |
| 2013-03 | 2 |  | reserve under noncurrent, loans exceed deposits |
| 2013-06 | 1 |  | brokered >10% |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 3 | brokered >10% |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 | capital falling | loans exceed deposits |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 | loans exceed deposits | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | uninsured deposits leaving |  |
| 2017-03 | 3 |  | uninsured deposits leaving |
| 2017-06 | 2 |  | loans exceed deposits |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | loans exceed deposits, capital falling |  |
| 2019-03 | 4 | brokered >10%, NIM <2.5% | capital falling |
| 2019-06 | 4 |  |  |
| 2019-09 | 0 |  | wholesale funding >15%, loans exceed deposits, brokered >10%, NIM <2.5% |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | assets shrinking |  |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2021-09 | 2 |  |  |

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

- 2022-02-07 [Landmark Community Bank adds downtown Franklin private banker - Williamson Herald](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQaTBpQmxvRDdMaEVaaTBscktydWZNdXJ0T1NrYTluVDUwbHJ4UzFkakJPTmNpaVp0cjhmclo2MWNhR05LSVVRM0pqajN1V29RcVRTZTVoSFNLOEpYYUE3STY0ZnZVRUJQdzVBVzhIOEtLT19RQVMzLVNKOXN6NWZkaGFwZUFQVlZnVE1yTENKTTJKUFZFSVZGNXhjSlV4TzZWYUlNemg4OEpWdnBCbERNVjM2V0s5dzZUQ3Z5RWVrNGhzRGtiYUk1VDM4UkpuWUNvS0VOVnEwMVFTSlpwRUNhYXZnY3pHaHQ2d3NTdmQ4ZGFuX1RU?oc=5) · Williamson Herald
- 2021-06-07 [Simmons First acquires two Tennessee banks in $278 million deal - Talk Business & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZW1iMlZ3bnJ1UmRNVmU5aGk1YTB5c3pYcVdqalUtcUtkX0dkZGRvZHZYR2lXMnZEN0U4eVdfa3FaeDR3UTU3dnJIaUYtUG9FMW40Z1kyRFVSNVVuc0JOcXFKd194V2E4bFZnN3hFaHFsYVNTRnpaZFlrZ2R3a0lMS1hES2d2T3V6a3kzNVNhU3JTMGlhS0M1X1REb04?oc=5) · Talk Business &amp; Politics
- 2017-09-15 [Delk chosen to lead community efforts for Landmark Bank - columbiadailyherald.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPb3lyNjlJRHg2MVdkNVByZk1HY1FDODFrbXA1VEd2RW1oN3dXUHhBbGtVZzkyUzhVZWNLR0VrZ1Yxb0dSUHRQRm1tS1RIZlBSZXBxSGw5eU14VzMyeWVFQ2lEam1xZVpwUlBfUzAteWQtQ2xVemNwWTNWbkZNZ0JxdTNlSE4wcHJvcVNjWkhMUjRaNl9oUk9mUXR1eTVOZHdpTHJPbmxiZ3hFUQ?oc=5) · columbiadailyherald.com
- 2021-06-07 [Simmons First doubling up in Tennessee with two bank acquisitions - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTVRjcFF1TmJYNnhpNDR0QmQ0ZHgweUdrMGRNTGljUUQ1MG10QnloNzVRWW9IZkdycHNHZHdEMW5VYmxfOGM5MHZndjlIc0pwYXNCWHh6ZjJfSHZvcW5LNTA5dWdNYkNhcGwtZXA3TjB5RVVhUjJTV01QOUF4UkRKaGRHYVplQV9GY0QzM0pNcld3dUx2Y0JzNGdKeHZhUXhuOXc?oc=5) · American Banker
- 2021-06-07 [Simmons to buy two Memphis-area banks to create a local financial powerhouse - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcWFaYmxVRjg5TnVTMEYwZG9lNVg2WnMxUlQxWmhjM1ItQ0t5TkUxSU11MzhCb0tmMXphejBJZ0Y1LTdGUUd2aXdMM3dma3Y4by1TSGJkRVI2MWhnRTAycDhGVGtvQTJxbDlhMUNRS1dTNGhjT0RIZ1pHVHR0VXZYZGhuZllqZlRrTE1hZWhseFFjektON2I5eGFNU3E2TjlmR0hMcFVmbw?oc=5) · The Business Journals
- 2017-08-08 [Williamson County radio personality Tom Lawrence joins Landmark Community Bank - The Tennessean](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNMzR0X2ZSMlVqSkZOLVJ4bENCLXJTbmplZjZhX0NTdVhQakFkMEJCajJzWG8yREhFMTRPSEdSS1dCXzMzLXVLQTd2LWlwSklsZE1JSFA5NEJiNnhSazZ1RWpBX3NQbGUtSUFRRFd4QlNTR3lMUmdrRGUwLVgxXzNpMnpCRHh0QzYwcTJqYmZDZEt0MFBFcnFKZ0tETU55Q2NPMUVWNFpHaXBIc1o2Q3dwZUt6ZWJuZW91d3Etd056cElZZkItbVJOdmJwMzdwMTd2LTdVNGV6RmdPeHl2bmRWTkh4TmVmYVlGd1Exb2tqTG1qWG4tODUw?oc=5) · The Tennessean
- 2021-06-07 [Update: Simmons First to Buy 2 Banks, Expand Tennessee Footprint - Arkansas Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMy0tTVAyYldJNV81a0hVTG43Q3htYmtHMDkxUVZUOWdhUjd6amg1MGQ3ZzQ4akI3ZkJnUWF4UFIyQW5LM0ZGc1JFaW1Ub25IX0hSWlhvSks4eTJoNl96Tko3ZUdwQ3E0cnVMSkV5al80bXJWR3U2b0ZER3N6U092c0pfTVlsbFgzYkx2YWFQTzJsVVhxV3NyVGN4MXc?oc=5) · Arkansas Business
- 2021-10-12 [Simmons Bank completes deals with Collierville-based Landmark Community Bank and Memphis-based Triumph Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPS2NIOWhraWZ3SmZYNklBSm1ibXV2M1Z0MWxoYllWT1UwXzl3ZDBEeVVlbnBQdDk2V1BEZ3JzbXhxWmdaZGxHSHBXQzZpNFNDdXBMMFFfZThtS3VsVVZjREJqcWw5RVRVX09wYlhqcFRIbTdsNndpY29IakZJSXZjRmlEWjFGUFVIWUYta0lkY3lQanprZXY2ODV4cS1kc0UxbnFPOWhHdkE4dw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34982 (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/38.json (key "34982", 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