# COMMUNITY CAPITAL BANK
JONESBORO, GA · FDIC certificate 57036 · asset band <$300M · latest filing 2011-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (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 | $165.3M | |
| Deposits | $157.8M | |
| Loans and leases | $125.8M | |
| Total equity | $1.9M | |
| Loans / deposits | 78.23% (p65 of band) | 71.39% |
| Liquid assets / assets | 15.21% (p8 of band) | |
| Uninsured deposits / deposits | 2.48% (p14 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.02% (p53 of band) | |
| FHLB advances / assets | 3.02% | |
| Tier 1 leverage | 1.05% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | 0.26% (p17 of band) | 3.72% |
| AOCI / equity | -29.30% (p0 of band) | |
| ROA (annualized) | -1.89% (p4 of band) | 0.72% |
| Net interest margin | 3.00% (p12 of band) | 3.86% |
| Efficiency ratio | 145.81% (p98 of band) | |
| Noncurrent loans | 15.65% (p99 of band) | 1.48% |
| Net charge-offs (annualized) | 0.60% (p82 of band) | |
| Reserve coverage of noncurrent | 11.94% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 1915.49% (p100 of band) | |
| Auto loans | $127,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 32 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 10 | capital falling, AOCI drag >20% of equity | NIM <2.5% |

## 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
- 2020-10-29 [A Bank for Virginia Lovers - Next City](https://news.google.com/rss/articles/CBMibkFVX3lxTE9WOFZsLTBnNGpIem55Tlk0ekNRdHlXcF9rd1NWVExvajN1NjFsdUxfSkx3RUN5dk9MWWRVcmd4a0ZfaHlxYmc0bEdBSXdMSUt6bEJJQmw1YlJrZ3RfVmtTTHBxS2c2bmlTdEh0T3R3?oc=5) · Next City
- 2026-07-21 [High-Cost Rent-a-Bank Loan Watch List - NCLC](https://news.google.com/rss/articles/CBMieEFVX3lxTE50NVRQTm1YeWR4SlljRnR5V21DcXJUaVh5QUlvZDlTQkNMQVpFZkFXVUFiTXJUUFdXZU9NQng2MEtrcGZMNy02anpjNzI3djVnSnNSSGtIZlFONTRNZ0I4SzFyaWdJWU1DQW91U0JPNlotUy0xSS0xVw?oc=5) · NCLC
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 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
- 2025-04-30 [Harvest Station Apartments in Valdosta announces grand opening - Valdosta Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWjNDQ2c0SWxtY0VSLXN5dko2c3QycTN2R3RGWVpXRU5mNnozdExScGJtZjNHZm5CbTY1WFJwMlV6V3lVNVRFR09ZcXZVcHVETWxIVE1jc2xrZ0VFUGlVVWE1TUdMNkFsTG1QRXRfQTBmTkJCZE13YXVRdXhNUXJtZm1lclkxV2pHTlNwVVJncDl3VDMxd0RzN3llbE9RcXVpUU4wTkxPcnVFNVhjeHJN?oc=5) · Valdosta Today
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC
- 2022-05-04 [[SMILE!] A Growing Dental Practice Has Georgia on its Mind - Tomorrow's News Today - Atlanta](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWnBiRzVFUk5COEhVU1E4ZEZKUDRfcE9vWXM3ZWpVSFRuQnFMMTA1ek9jUjlkMXMxeFZpT2lMWnp4VlpBSW93WDBKR2JKRHBkT1ZrdFVsVjVIRmR0ZnJfU0tBMFN6OTBxQWhHcGRQMWtWRkhTZ0g3VjFSVmNEdDk2MDkxSGI?oc=5) · Tomorrow's News Today - Atlanta

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57036 (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/12.json (key "57036", 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