# LAFAYETTE COMMUNITY BANK
LAFAYETTE, IN · FDIC certificate 35476 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $167.4M | |
| Deposits | $147.4M | |
| Loans and leases | $136.9M | |
| Total equity | $19.7M | |
| Loans / deposits | 91.99% (p80 of band) | 75.51% |
| Liquid assets / assets | 14.19% (p13 of band) | |
| Uninsured deposits / deposits | 23.81% (p81 of band) | 14.70% |
| Brokered deposits | 2.99% | |
| Wholesale funding | 2.99% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.38% (p57 of band) | 10.91% |
| Unrealized securities loss / equity | 0.71% (p67 of band) | 0.10% |
| AOCI / equity | 0.36% (p34 of band) | |
| ROA (annualized) | 0.56% (p27 of band) | 0.87% |
| Net interest margin | 3.60% (p45 of band) | 3.67% |
| Efficiency ratio | 75.89% (p63 of band) | |
| Noncurrent loans | 1.45% (p74 of band) | 0.61% |
| Net charge-offs (annualized) | 0.20% (p89 of band) | |
| Reserve coverage of noncurrent | 63.97% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 33.52% (p70 of band) | |
| Auto loans | $169,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $8,000 (0% of equity) (p96 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent, capital falling |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |

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

- 2017-01-26 [Indy man accused of two bank robberies in Lafayette - Journal & Courier](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZ3RrWmIwYjNhcTdDMXRqZTU2eXpfVXQzdFdmVEItSG1SMUJYdUhMMXEtMXRZNHZqVTNnd01xSzdwUzBnN0lDNW5zemQxdDQzRjI2Znl5UlF0LThTd2NCQ1RCaldtbUp0LXFyZGlIc19ybjhabDRyckJtbjJsSmFwZkRWSkFWQlJzUU44MTZ6OHRQTTItalJEQlZQZVhBRVRDUTZWQ1VsT0RsQUFT?oc=5) · Journal &amp; Courier
- 2005-08-16 [Community leaders give $45.7 million to Campaign for Purdue - Purdue University](https://news.google.com/rss/articles/CBMie0FVX3lxTE9zYVZmeDdrNk9hS2NMZGJxcUxHMG1UdElEWTJvNkRQQldkcmpVRGRpLWVVUFdFQ2VPWkdKSEh3N1BjWmNfeGliZXNtQ3J6OE1CZlpRVlRVc3p3OWlvVXUzY3hKbDZJZURuOWhrakVMR2d4YWZDS2hGQ1ZTQQ?oc=5) · Purdue University
- 2015-05-13 [Meet some of the bears taking over downtown - Journal & Courier](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOUm5GZkVIa0ZQdmdnSU1yTG1faEdHT0RuZU85OXVERUJjakFLclhrVE9oTHBHSWF6b1haZ1R3STVOdHptV2dxWjA0RldFcE0yeDBNNVI1VmctUUlLaFJTOUNmWEluV0ZyS3RtcC16aXF1am8zVldIQ19NT2Y2ZG1fNllySVRGb0czLTRyVnFoMHVRUFFFUUMwcEJmbjdyTnJ5dHcyZk5fc3FkOXZObGFnbmtrSDZiQnNHN2JlTW8xSGZYdw?oc=5) · Journal &amp; Courier
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-06-24 [Bob Beauprez touts business, agricultural background in GOP bid for governor - SummitDaily.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMVZxc0JVQzBpQmduN1FhdGs5RjBCblVVZUlXd2pqNGdhaHhKd0kxSzR4WDF0TThjcllHTVo0a1lMVFlHX3dnVkZLUlZzUlB4Q1g3VFU0ZVBob1U0MjZ5bWhQb3Q4eUlocEVxdlVva1l2VDZSVVVzdjU5OXlFN2ZMM2F3Yk1td291eFVzQUlCaE5naVpmUVRyekZ1TFFGLXowOUpLV1A3c3NtaV9IMXc?oc=5) · SummitDaily.com
- 2021-10-11 [Steven Norfleet Obituary (1949 - 2020) - Lafayette, IN - Journal & Courier - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbnRlYmZ0alJCcjZuUHpsbFNVc3Uya2xJcnVyMlEycElnbk5tLTMxdENiMUNRS21xX0R3TnJjTWE4M3daOXpDTng0SEJRQXRLN3R1VWdMdTFiaE10aGRMQjRUbndGQ2RocnhWQ3hsdGlGaDIwVlBsWnJrT0Q5aUdwTDdmRFV6WGJTa2NPVE9LdDk?oc=5) · legacy.com
- 2007-05-10 [It's love-love for new tennis center - Purdue University](https://news.google.com/rss/articles/CBMiaEFVX3lxTFB5LTVsLXBBb180aHZIUWVGRkhucTcyQjI2dVVVUUJ3RDIzNll5Nkpqc3A4Q1Vtb3lfU2tDZXFoSmhmVFlTRldHSlI0ZkljemNkNEVsRnl5cWs2NXk3aTBEN3lpdjJ1XzRq?oc=5) · Purdue University
- 2005-10-14 [Purdue serves up its first indoor tennis center - Purdue University](https://news.google.com/rss/articles/CBMifkFVX3lxTFBWNl9sZWJYOGVkbkxNZFdrZUtZN2NoM2JfME91ZEk2cmkyZWN2SG9mamlEZmFTaWlTTEh0YndtTlVPMmJERGdybTdMRkFKZElkWGFIQ0NCc1AwWUowaXFycUhlTFhPLUJYQ29kbzllaHhMMW1iZnFDZkZUbzY0dw?oc=5) · Purdue University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35476 (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/20.json (key "35476", 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