# CITIZENS COMMUNITY BANK
SOUTH HILL, VA · FDIC certificate 35326 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $218.1M | |
| Deposits | $190.3M | |
| Loans and leases | $170.6M | |
| Total equity | $22.5M | |
| Loans / deposits | 88.55% (p73 of band) | 76.19% |
| Liquid assets / assets | 17.21% (p19 of band) | |
| Uninsured deposits / deposits | 16.42% (p56 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.29% (p51 of band) | |
| FHLB advances / assets | 2.29% | |
| Tier 1 leverage | 10.42% (p40 of band) | 11.02% |
| Unrealized securities loss / equity | 0.57% (p68 of band) | 0.02% |
| AOCI / equity | 0.35% (p36 of band) | |
| ROA (annualized) | 0.57% (p25 of band) | 0.90% |
| Net interest margin | 3.79% (p55 of band) | 3.71% |
| Efficiency ratio | 78.22% (p70 of band) | |
| Noncurrent loans | 0.71% (p53 of band) | 0.62% |
| Net charge-offs (annualized) | 0.10% (p79 of band) | |
| Reserve coverage of noncurrent | 167.72% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 72.23% (p88 of band) | |
| Auto loans | $2.2M (1.28% of loans; DQ 2.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2011-06 | 1 | reserve under noncurrent | charge-offs p90, construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 4 | losing money, charge-offs p90 |  |
| 2013-03 | 5 | expense ratio p90 |  |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, losing money, charge-offs p90, expense ratio p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

## 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
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2018-09-24 [Banks open branches across state - Idaho Business Review](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZjh0cG0wZjltTmYxR19mWmRBSzVfVnRaN1hlQVhwbENxQ1dKdkc5TVJLMndlaUQyLUE5SG83MjcyZU5yS3VZUkRYTXpLNlpENExXSTAzaDFEVWd1SnN2VVRmSWtSTG56cFlqazR0MHJvMjZOeE1rRzFwZWREN0l4M2x3?oc=5) · Idaho Business Review
- 2011-02-09 [Citizens Community Bank Names William S. 'Billy' Wilkinson to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNT24zaF9Xbm5semN0ZW9BdG5XcUlWNXczcTloU1pUMk9ZZl9kdkdTazN0NmVsRWt3SWN0RFFtOWpXcnFoeTJnVXNZX00zM3N6b2JmbFoydk13UExxbGZIdFVHTHlhaEJCYjZLV2QtV0dmU19zWU82YmI5WDFjLXZ4V0hLV0piOVZoSnZLNzFaMGs4cXpRNkE1bkhvSGJ2ZHJMbW1XMVpYUVNkMkJ4Q0FPN2FkS0hKdjVOUzY3dHBXWUxwZTBRdjBEMjlFSEJLUQ?oc=5) · PR Newswire
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2024-12-24 [Bank welcomes Hatfield as commercial loan officer - Valdosta Daily Times](https://news.google.com/rss/articles/CBMilwFBVV95cUxOa2UtQVRoX1JkdElheThwYXdiblhvZHBudlJHZTNEa200cmt3RFgwUVNIdVQ2Z2xEcHpJVGV4TGNpckJvMnFkdWJSaU9wX0FhQVRuaUEtVTVFOEpBeExYUXk0eENPdUoyMGtKOVA1eVdQVi1CdTZSeVpkOGFpbC1icERrRjVYS0NNeHNBZ0Rab2o2aVZ3aEtF?oc=5) · Valdosta Daily Times
- 2008-12-31 [Donald Ashley Lawson Obituary Dec 31, 2008 - McLane Funeral & Cremation Services](https://news.google.com/rss/articles/CBMieEFVX3lxTE1Oa2tCQlVuQjgwMmlqdDRYeFVmRWhtSHo0dXlOdUJzVWRkOG1wcTgzQzR4NmZGRjZ1WWVwcDRFX2RKNFBBQmNoRTJ0M0FQQWJRYktfeUZnYkxqSkszRlhfMnpwVmxaM3RPdkRmaVVkbmNuUGdralF3Vg?oc=5) · McLane Funeral &amp; Cremation Services

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35326 (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/62.json (key "35326", 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