# COMMUNITY BANK OWATONNA
OWATONNA, MN · FDIC certificate 57468 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $103.3M | |
| Deposits | $94.7M | |
| Loans and leases | $73.2M | |
| Total equity | $7.3M | |
| Loans / deposits | 76.56% (p56 of band) | 73.59% |
| Liquid assets / assets | 25.28% (p33 of band) | |
| Uninsured deposits / deposits | 12.71% (p23 of band) | 19.81% |
| Brokered deposits | 6.03% | |
| Wholesale funding | 6.03% (p75 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.98% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -21.26% (p21 of band) | -6.57% |
| AOCI / equity | 0.17% (p91 of band) | |
| ROA (annualized) | 0.81% (p30 of band) | 1.17% |
| Net interest margin | 3.67% (p36 of band) | 3.93% |
| Efficiency ratio | 67.21% (p54 of band) | |
| Noncurrent loans | 0.42% (p52 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 234.31% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 27.11% (p61 of band) | |
| Auto loans | $426,000 (0.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 13 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2012-09 | 4 | capital falling, noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2012-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2013-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 0 |  | capital falling, charge-offs p90 |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | uninsured deposits leaving |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 2 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 4 | charge-offs p90 |  |
| 2024-12 | 4 | capital falling | NIM <2.5% |
| 2025-03 | 3 |  | uninsured deposits leaving |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity, charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-04-03 [Community Bank Owatonna announces new president - southernminn.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQQ2lvZGJ4MEl5aG1KNHk0bEZtR1I3WVFWMmJ2VjIxSU1xdThxNV9RTzQ2RC03VWdKdzFqYm5BZUJiLWRQVmRQR0gwaDA5X3c5ZW05TGZibzE4V09fdVpuX3c4cXVmUmh3RXdjcV83alpZenB3aEFLZDcyN1ZyOEFYam9PTlBBN05acHhkeE5iYVhsN3ctUHgyWGtEbGxCUjdRcDVLbmNBY09wbU9aZ1Q0NEVVVlluUnhEWVBrQnl4ZVZPNm5RbXhDRDh0MFNEbWkwVTJTWV9QNFRDYmY0VVhRTTJxSlNGQ1N6RmROSnBJQVI?oc=5) · southernminn.com
- 2022-09-21 [Community Bank Owatonna announces new director - southernminn.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQclJTeWFSY3pWN2kwSjJQRG94bjJBNWt3X3k3VHdsOWFUdi0wNmJ2emF6UHljQ1JsOU5qeno5VnllU09tb3NTMFFSS2ZrRVljbEpnbFVuYURmUlJIdjdnZHN5azNXcmdhQ19KLVpDbnpDS2x6Q1BxYjZaU2liZXgxUjRQNGttRldGVkxlQ2J1RkFEOFhwcWMtNWlaV1ZhN1BtQ3Jod0JROVVGV05ZaXQ3NlNTdmhoMWlCUUJyU2xpM1VLSkxvdE40b0o3WDZDN0F6RDNSSmpVcUUyMWJaN3R0bVNXMW5aelZzdm1zZ1ln?oc=5) · southernminn.com
- 2016-02-08 [Community Bank Owatonna Names New Board Chairman - KRFO-AM](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9nZUZXMmxUWmMyR3l1d2tvcThXTlBMWEVmRFJucV94ejBRLTlHdHBlakpkVGZxTDE1ZHpiVTh3Q0ZLeGV2ZU14aGtUVTV3TnpkTTc5dTdCRmNzVWxEdzNqdllPbGhHdUk?oc=5) · KRFO-AM
- 2026-06-18 [Paul H. Arnfelt Obituary (2026) - Owatonna, MN - Michaelson Funeral Home - Owatonna - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNZWVBbWpsbXhqeFBnMmZ3elo4eW5aMG9mVElmZzBuTTdnc0hyaENneGgzZllpRnpnWFVNUmtZVmNjQUhMMzRuR0dwV0taQ2xTbGMwQ1AxSU8xdDAwYS1PMjNyVE9ibXlnMkF1VWZXczRHZk1JcGViclpGNGZPTjJNeg?oc=5) · legacy.com
- 2025-02-26 [Community Bank Owatonna announces Madole as new board member - southernminn.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxPeG9Yb2tfT3VSM1ZRNl9MQURMLTFZV3ZjZndUcUxScldSMnBOZ2NGeXd1bWJMTThIRjNFZ1E3T0RIcVFzaVFpS2RtVHJ2UUF1LXpMUUJtam9fbGNTWTVObUx3NFYzdFY4WHpRbVVObXAyY200QzlCNlNFN2hZYnl0UG03dTBJTi1lV1BoTFo1QUVtTVJ3QXBCZUw2RVpCTVV0MVIxd0dwU0dKb1pKRk1NZFFjSzRsbXF1T1piNm8zVzRZQXkwQUQzdDlxRlM4ZlJteTlZbVlLa1ZSWlhaSXZuUUZkVnd3YkZGTzhOX0NWaTE3eERLWHAzT0cxeUpkQkNTckE?oc=5) · southernminn.com
- 2023-02-20 [Community Bank announces new director, chairman of board - southernminn.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQWjM1bWdBRzVZYmpuYUdWemlTcGVDZ2JFMWVDT201b1BrYzBmNFA0dEdhTkpkVVR4cjVxZ1FwWm5WZHBzblhMMFdNcWIxdFBhNlI2djFaTERpeXd6WndiUEl0WFBQWGhYXzRZUm1KbkR6WWx6ZUY0NF9WNlJrSm0yb1Bhajd5Nk1Eb1NBd1F4cFVmMV95WjRHRjFDNnhyQmRfUGVoX0JiOTJDSkZhb2VMRS1BbXRTa0FPMzBSX3FJTzIySWZQdmZQZ3p1MlRnV0lWVmI4T21zX0UxZWxQYmI4S0JQdjQ1dmtremtRNjE2V0RUVDRiT3BxaFZDWQ?oc=5) · southernminn.com
- 2016-06-14 [Elseth promoted to Assistant Vice President/Loans Operations at Community Bank of Owatonna - southernminn.com](https://news.google.com/rss/articles/CBMiqgJBVV95cUxQUnZaTWJkcUpMR3RCeEVQOWtUUDFOTTlCU2gtN1V6RlByei14cU1Xcmswb1VzMDR6aldOcnNSN0ZKNnhCcDFyQXlBQjE0VUhndm9qR3ZvZWdhV3VtbjdLX3lYendpSW9LZjkzTXVZSngtVHRMcllKSnFhOERFcExydktSZkE5THduaWlrbnlBYXBQajhPLWMxdDNkTE93MXBaRWNMZkVnMFpidFpqOVE2N29pYndPY3hoeXFCeDBBWElwYmJkeTV6VTYxV3ZjUE1NVW8tcWx6WlpWbnc0MURERlRxZm92bXdCUUVzZEh6VXZYbDZwUmJZbXNfMW9sdXpUdUozeWw0VG0xNG9lSUlTdk9iNWNGTF9pS0R4QTJ1RXJDTzRlN19yeW5B?oc=5) · southernminn.com
- 2026-07-02 [Todd Hale: The musical story of the Chic Racek Band - southernminn.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNdm9YRjBDVk13OFRud3d3NERTVFk5X1Q5Uklfb19aN1ctMzNyenh6azU4WmZkOElGQTFhNUpQaUxMbEREdjJPN3owMGttcnd4Yi1wUWRCb3VJQ2ZKejd4MWFvdzNoM2FqWjM4WHlXUXN2QlJ2VWsyOWV0WTdEczBYUEZCVzRhZ1FPa2xaUTZnRlNjYUZVbHAwR2o4ZXFCWGRRNFQ2amt0ZDVScDVoTVVqTjNZQW1tY2M5ODlyQUNTTUExSUNTR2xjNDJ3SUR2N0pyMDAwQ3c1VHFCMVh0cXN4MG44d2pNeXM5a3NQMGR5c0FYU3ZM?oc=5) · southernminn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57468 (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/60.json (key "57468", 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