# COMMUNITYONE BANK NA
ASHEBORO, NC · FDIC certificate 4879 · asset band $1-10B · latest filing 2016-09 · 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 | $2.34B | |
| Deposits | $1.91B | |
| Loans and leases | $1.54B | |
| Total equity | $344.7M | |
| Loans / deposits | 80.18% (p32 of band) | 88.75% |
| Liquid assets / assets | 23.67% (p56 of band) | |
| Uninsured deposits / deposits | 13.88% (p18 of band) | 25.63% |
| Brokered deposits | 2.09% | |
| Wholesale funding | 5.31% (p33 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 10.30% (p63 of band) | 9.74% |
| Unrealized securities loss / equity | 1.51% (p40 of band) | 2.06% |
| AOCI / equity | 1.90% (p80 of band) | |
| ROA (annualized) | 0.61% (p16 of band) | 0.96% |
| Net interest margin | 3.54% (p56 of band) | 3.47% |
| Efficiency ratio | 68.92% (p68 of band) | |
| Noncurrent loans | 1.48% (p86 of band) | 0.62% |
| Net charge-offs (annualized) | 0.14% (p83 of band) | |
| Reserve coverage of noncurrent | 57.04% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 35.49% (p46 of band) | |
| Auto loans | $85.8M (5.55% of loans; DQ 3.50%, NCO 0.14%) | |
| Loans to nondepository financials | $766,000 (0% of equity) (p75 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 449 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 10 | expense ratio p90 |  |
| 2011-09 | 11 | capital falling |  |
| 2011-12 | 6 |  | wholesale funding >15%, leverage <7%, leverage <5%, capital falling |
| 2012-03 | 9 | leverage <7%, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 10 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2012-09 | 11 | uninsured deposits leaving |  |
| 2012-12 | 9 |  | NIM <2.5%, uninsured deposits leaving |
| 2013-03 | 8 |  | charge-offs p90 |
| 2013-06 | 5 |  | deposits shrinking, assets shrinking, capital falling |
| 2013-09 | 4 |  | leverage <7% |
| 2013-12 | 4 | uninsured deposits leaving | losing money |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | uninsured deposits leaving |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | expense ratio p90 |
| 2015-12 | 4 | expense ratio p90 |  |
| 2016-03 | 2 |  | capital falling, expense ratio p90 |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 |  |  |

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

- 2012-05-23 [CommunityONE Bank Agrees to Pay $400,000 in Restitution to Victims of Simmons Ponzi Scheme - High Country Press](https://news.google.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?oc=5) · High Country Press
- 2013-02-11 [Hedge Fund Manager convicted of $40 million Ponzi Scheme - WBTV](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVXFqcGtFOGVYWUhrYnhqSUFpZ1gzZWQzRGZwRk1jakVpazRJUEFUTUZXdldKV19aRE1KbjNwOVhWN2d6R3QyVzg1SEJiRnZBeUZaNndMdjFBVXowZlBOXzE3SFliS2tWZFg5Y1ZwOEZ0ZXA0c3d1MnA5Zkg2ZnV5c1VFYVZTS2VIVU0tUllVR1F1SHZjTVpz0gGqAUFVX3lxTE9kZV9Wc0lNVUdjeF82WmhQLUxUT1d5ZnZIQ0V2WjNBcVgxUzhjU2tJVVFwcWc2Rmt4V2RLbXlEMDRxOVVDVjhtbmxJQlEyWXdJS240TjZQeTdDX1ZHalZTcXN6VDlselR5YThlSjFOeUZPbGFEVDFnek1wUEhQMFJfREtUSXV0RG9ydGN3aHd2dnZPYjNWTEtWUHlYdy1zY2FLa2w2aE1Vc1hn?oc=5) · WBTV
- 2016-09-23 [Buncombe, Asheville property transfers for Sept. 12-16 - The Asheville Citizen Times](https://news.google.com/rss/articles/CBMitAFBVV95cUxQZ18xckVzd3NzSVNyc3E5N2hiTW5hUFNTN1doT2NIUXBSZU5Hd1lZX2sxN1YyaDRnZ25IZzlMQ2d3NzZRTGJ4NUhrdlBTMTZ2NnFGRDF4eVEyYjFUcnZXWE45SzNWUy1DdGJwZ2cwVnhrbks0SHdlcE1RMW00aEp0SjJKdHZ3ejEyNXJvOUs0bDVhU1pZX1dpNHlMQ3hRM2Y1Q2ZFNTZmTzlhNXlzRWVpbjM5RG8?oc=5) · The Asheville Citizen Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4879 (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/15.json (key "4879", 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