# COMMUNITY FIRST BANK MENAHGA, MN · FDIC certificate 5197 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. 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 | $126.5M | | | Deposits | $108.4M | | | Loans and leases | $66.5M | | | Total equity | $16.0M | | | Loans / deposits | 60.46% (p31 of band) | 73.59% | | Liquid assets / assets | 46.10% (p73 of band) | | | Uninsured deposits / deposits | 14.41% (p29 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 1.33% (p56 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.84% (p61 of band) | 11.76% | | Unrealized securities loss / equity | -5.67% (p54 of band) | -6.57% | | AOCI / equity | -1.36% (p21 of band) | | | ROA (annualized) | 1.84% (p81 of band) | 1.17% | | Net interest margin | 3.99% (p53 of band) | 3.93% | | Efficiency ratio | 56.04% (p25 of band) | | | Noncurrent loans | 0.28% (p46 of band) | 0.36% | | Net charge-offs (annualized) | -0.10% (p2 of band) | | | Reserve coverage of noncurrent | 486.70% | | | Real estate % of loans | 50% | | | Construction % of loans | 19.09% (p52 of band) | | | Auto loans | $1.1M (1.72% of loans; DQ 0.61%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 2.1% | | | Employees | 23 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 2 | capital falling | | | 2012-03 | 1 | | capital falling | | 2012-06 | 1 | | | | 2012-09 | 1 | | | | 2012-12 | 2 | capital falling | | | 2013-03 | 0 | | reserve under noncurrent, capital falling | | 2013-06 | 0 | | | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 1 | uninsured deposits leaving | | | 2014-12 | 1 | capital falling | uninsured deposits leaving | | 2015-03 | 0 | | capital falling | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 1 | reserve under noncurrent | | | 2016-06 | 0 | | reserve under noncurrent | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 1 | uninsured deposits leaving | | | 2018-03 | 2 | deposits shrinking | | | 2018-06 | 0 | | uninsured deposits leaving, deposits shrinking | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 0 | | | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 1 | capital falling | | | 2020-03 | 0 | | capital falling | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 1 | capital falling | | | 2021-12 | 2 | uninsured deposits leaving | | | 2022-03 | 0 | | capital falling, uninsured deposits leaving | | 2022-06 | 1 | AOCI drag >20% of equity | | | 2022-09 | 2 | securities losses >30% of equity | | | 2022-12 | 1 | | securities losses >30% of equity | | 2023-03 | 0 | | AOCI drag >20% of equity | | 2023-06 | 0 | | | | 2023-09 | 1 | securities losses >30% of equity | | | 2023-12 | 0 | | securities losses >30% of equity | | 2024-03 | 0 | | | | 2024-06 | 0 | | | | 2024-09 | 0 | | | | 2024-12 | 0 | | | | 2025-03 | 0 | | | | 2025-06 | 1 | reserve under noncurrent | | | 2025-09 | 0 | | reserve under noncurrent | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 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 - 2024-02-01 [Raleigh bank swells to $2 billion in assets with deal for SC institution - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeE1teWlQV2EwS3F2SHQ4cHRpa0JfN05sRjhRb2Nwc0VaUWpIbUJJa29ickY2NmlyMVBwcW1keUlfa19KWW80bE42bHBVRGNPU3gyWXkyOFBiM0plV242RDRpRUJsQlNLa1ZXVmNpUzFCT2ZFVm9CMnhPUmxieUZmR0twQzVtYi1rOUJKRmxoaS1KUzVNRmlEUDZsajJYYkRJaU5uYQ?oc=5) · The Business Journals - 2023-03-06 [City of Menahga wants bigger bang on its investments - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZWhHeGhPV0t1RE9IYTA1Yk40VTIzVDVJdzYtaDhMY0tINzJabXVaYnBLSGU2WkpMOFRRR1pZY2pQeHhPX1VaRFM2RmxCR2xKWVk4R0g2WllyOGthRTNaVHVreHA5LXBhOVFOYlZjcWVrTS1nSHVkOXdKYmF4dmZ0eUE5TzFJd2JrS0c0RlJSbzRmX2xlTl83Y2RaZHdmOU9IRnc?oc=5) · Park Rapids Enterprise - 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments - 2017-09-02 [William Sanger Obituary Sep 2, 2017 - David-Donehower Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFA2NVVnaUw2MWtYNEcwZ2lXLWZhQWlRMzJSdjFaVDRBVFkyaXJCdXFOYlVzRXpuSXhEdURGSl9kazl6UFhGUVVESjk3bTBBdnIyak90SzJDb0JaUXFWdmJoeVhGM1gyUjQ?oc=5) · David-Donehower Funeral & Cremation Service - 2004-11-01 [Community First sale finalized - InForum](https://news.google.com/rss/articles/CBMicEFVX3lxTFBsUU1sVmc4cEY3eC1jQ3FOdnVwZWtlMkcwcWJXRUpkUnA5dlR3ZmFmeHliMHVDOTA2ZjUxeE5pVGJLZlJsZGZzSU9sRk91Z25qc2JacmJVV21PNzRTU0h5SHoxZS14aHpRdTdzYlBnOUQ?oc=5) · InForum - 2023-04-25 [Surrey Bank and Trust acquired by West Virginia's First Community Bank in $113 million deal - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNSEwwb3REb245MW5ZZGlpRW8yWG9KMkV0RjRIRlVPS3hVWDJKTU9uYUdMV3V5RDM3TmVoNUlFMUE0YUkzd3hoOExFZ1hHVW5wRm12QU4zbHJYOW53dWs0MGtQcmxnX0t3enRndzRJYVRnZ1FsbFNlNHVUU25qc3Z6bDVKUWhMbmRfc2gzQzlDQ1BoV2xXY3N2U2ZyV1RWcXRLWlBlSjdZQQ?oc=5) · The Business Journals - 2015-01-11 [Deborah "Debbie" McCrudden Obituary Jan 11, 2015 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMie0FVX3lxTE1iQlBYcXRGNHkxR212eldNdmNzcDFHOUNvTm5uLXJ3OWtJOXlMaXFpalZ5cWxrRkVoUlhsQU9fenZkb0VMZDlISTZTZTBwRE15SmJDTllycG9kenVyR3BSeldUNEk5c3pEYUFjWmFFZFpXOUFGdzFxZE01OA?oc=5) · Emblom Brenny Funeral Service ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=5197 (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/13.json (key "5197", 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