# COMMUNITY BANK CORP
CHASKA, MN · FDIC certificate 35370 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $205.5M | |
| Deposits | $170.7M | |
| Loans and leases | $128.2M | |
| Total equity | $20.5M | |
| Loans / deposits | 73.86% (p50 of band) | 73.61% |
| Liquid assets / assets | 35.34% (p57 of band) | |
| Uninsured deposits / deposits | 34.43% (p95 of band) | 13.65% |
| Brokered deposits | 12.16% | |
| Wholesale funding | 18.90% (p95 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 9.83% (p34 of band) | 10.70% |
| Unrealized securities loss / equity | 2.60% (p74 of band) | 0.86% |
| AOCI / equity | 0.20% (p59 of band) | |
| ROA (annualized) | 1.10% (p67 of band) | 0.84% |
| Net interest margin | 3.56% (p46 of band) | 3.64% |
| Efficiency ratio | 67.28% (p37 of band) | |
| Noncurrent loans | 0.58% (p45 of band) | 0.69% |
| Net charge-offs (annualized) | 0.10% (p77 of band) | |
| Reserve coverage of noncurrent | 289.35% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 40.12% (p76 of band) | |
| Auto loans | $216,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2015-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2015-09 | 3 | wholesale funding >15% |  |

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

- 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
- 2023-05-08 [Bankers Financial Corp. founder Robert M. Menke dies at 89 - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNVlDX2xUdE9TWGZCUTNNWFBzQjhtZzVCNi1BNHF0NHNCWkZuQXd0Nm5aUUFnMkJLZ1ZEZkNrYTU1TjlxblpvTnBFaXUxNFE3RE9pdHNMblBjaHdGOGJUVGg2YmJURl9mMDBpVTV3NXdQWjJ2UmdwaENaV0Fuclczd0FGUTlMWUNEcnQ3SlVNVGxxeFB3X2ZqYmt1NA?oc=5) · The Business Journals
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2016-10-02 [The Weissglass family: Titans of Staten Island - SILive.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNWcyTjNFQnp4clB0bzBmRkxnb3MzRzB3YWZITjJmVUdtV3M2OWhvZElIbDZxU01hRXAyc3ZUMDlBYVk0ZEV0VFExcEs1SDllVmVEYV9ocHBaTFNIRzl5cTNPOGRaQWhXLWhWeHE0RDJSakx1YTVUVGJkZVlyR2tkcHh6Yk9NVzA?oc=5) · SILive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35370 (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/42.json (key "35370", 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