# LANDMARK COMMUNITY BANK
PITTSTON, PA · FDIC certificate 57112 · asset band $300M-1B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $354.6M | |
| Deposits | $308.4M | |
| Loans and leases | $288.6M | |
| Total equity | $35.5M | |
| Loans / deposits | 92.46% (p88 of band) | 72.09% |
| Liquid assets / assets | 15.09% (p7 of band) | |
| Uninsured deposits / deposits | 25.25% (p50 of band) | 25.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.18% (p47 of band) | |
| FHLB advances / assets | 1.90% | |
| Tier 1 leverage | 9.69% (p49 of band) | 9.70% |
| Unrealized securities loss / equity | 3.55% (p75 of band) | 1.16% |
| AOCI / equity | -2.08% (p23 of band) | |
| ROA (annualized) | 0.26% (p3 of band) | 1.18% |
| Net interest margin | 3.57% (p67 of band) | 3.34% |
| Efficiency ratio | 94.45% (p98 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.40% |
| Net charge-offs (annualized) | 0.04% (p82 of band) | |
| Reserve coverage of noncurrent | 811.53% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 22.42% (p34 of band) | |
| Auto loans | $26.2M (9.09% of loans; DQ 0.98%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | reserve under noncurrent |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2015-06 | 3 | deposits shrinking | charge-offs p90 |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 3 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 3 | capital falling | wholesale funding >15% |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2017-06 | 4 |  | charge-offs p90 |
| 2017-09 | 5 | expense ratio p90 |  |
| 2017-12 | 4 |  | wholesale funding >15% |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 4 | charge-offs p90 |  |
| 2018-12 | 4 | losing money | noncurrent p90 |
| 2019-03 | 1 |  | reserve under noncurrent, charge-offs p90, losing money |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |

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

- 2016-01-15 [Numerous banks serve area but not one calls Hazleton home - The Standard-Speaker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOSDJ2a0Y0Tm8tdHRoLUlsRE5hekh5X2RCQnZxbE44T05qTFNNMjkteEJ6ZV9zMVVtY1RjSk8wRTlxeUtVTnV1YnE0QmExY1NMakVWTXl1NXVvdE14US1QNUlWcm5XeVhqVlJBMGlPeGIyNDVSdkNzUTlpUV9QeG91ejU0SGx1Qk5jOTZ5VHM2NEtvNGNHc1dZUldTdnhqSEtjcUw4?oc=5) · The Standard-Speaker
- 2016-08-20 [Wilkes-Barre Academy receives EITC donation from Landmark Community Bank - Abington Journal](https://news.google.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?oc=5) · Abington Journal
- 2016-08-20 [Wilkes-Barre Academy receives EITC donation from Landmark Community Bank - The Sunday Dispatch](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQeW10YWlhQm01R1AyTDBTUGg3NUxybEJaUjJFS3lHSkJDb3dLM3NoYWNBY2Jzb1ZVY2JVZklLaWhwNVl6X0ZYYWlnNlJMQm8wdmhGaUVxOGxjdzZyOHBzTzB1WU5EMFo5VEV3Vkd1dFRSRlpnaEhxY0ZXT0FqRUIyYWMtcmszajZhMEtJTzc4Z3NZTTUwNWZ6cFYtdlFMUUdzTDJWWUxHQVNnSXNKelNJLXZ6U2E5d3RMRm4tNkx0SnEwQQ?oc=5) · The Sunday Dispatch
- 2025-04-18 [James Joseph Powers - The Citizens' Voice](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYjBxa2pVdjlLb3hNTWhkNXlxT1JRNEZJTjRIWl9kMTUtLWFianRsZTNPVmhDYjVqUDljd3NZM3hvVXgzejlLOVRQVExCcTlnSEtiLWRHNGFFbHZjbXVpZXRUQXJiMHFSWXdDSlVYWTZ2TlRaZXR0U19xcU53enhvbw?oc=5) · The Citizens' Voice
- 2014-12-06 [People on the Move, Dec. 7, 2014 - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mVVhXcUlabi1Kd2hkLURZUVZRQlN0ai1xZEtBTHZhMnpqMmxDR192WXU4SGtSOW96YnZRMmVDeHBPU3BZTUZyTm1mNE5XMzI1bWIxcmtGMHFYejkwbHRHekcxa3BnTWRVMjlJM2Ftazg2SVdNRy1MRkVVWHNyMjQ?oc=5) · Scranton Times-Tribune
- 2025-07-07 [Former bank boss pleads guilty to harassing family - The Standard-Speaker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQeU5FSjFFbkJBUEI3RjFWNV80Nnc4b2w3dF9EdzVaYTI0cFN1WGthR19jUjJvM0dUeTRsRHR5dUFoY05yVzRiS3h6RFM5c3VIMTRDTlJnTVNlbVR3aFJaNVowYzZvbHhfOHI1ZDJVZzV4bU1sYjNxZTE5Q3JvVnJIaEVlV2U2QnNtMUdYbUIyRHlER1FVS0JpUUN3?oc=5) · The Standard-Speaker
- 2021-10-30 [Margaret Simko Obituary (1947 - 2020) - Laflin, PA - Times Leader - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxNX0o5czZMTjhsbmdkV2UyTlZHenlkVTVPdF9oTHRqbXJoUVdnMTJqa1NqUEFOM0ZUVXV2ejhpVnZXRm01bGI1WmZMLUJSc2ZIcXdrbG1xTUdKTXVBTFRaMHl1cVFoWUhZaDlPLTczUkR3anpaN0FYSkhsdU55MzhaWEh3VHZJM1o5Qi1LRC0xTFo2Zw?oc=5) · Legacy obituary
- 2021-12-19 [Natalie Tippett Obituary (1945 - 2021) - Bear Creek Twp., PA - Citizens Voice - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxOdnBnRVhER2JXUEM3MjRNYmp0dmRaWDQ1WnFsUnVNVDdYSnRXTUh3VnBTNU9JLTNKT0o1RFNtUzdxaU1SOHZwdmVRaHlzUzhfcEpQX0U4YTdFbl9QeHB5Qi15cUJRR085UjQ2Rzd5MzVBM2tyNUs0ZklsZkhxY1ltX2ZYSWtRLWdzd2h6YkZqOUxyNGdndUhj?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57112 (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/24.json (key "57112", 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