# CHIPOLA COMMUNITY BANK
MARIANNA, FL · FDIC certificate 58034 · asset band <$300M · latest filing 2013-03 · 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 | $37.5M | |
| Deposits | $37.1M | |
| Loans and leases | $16.6M | |
| Total equity | $286,000 | |
| Loans / deposits | 43.07% (p14 of band) | 66.54% |
| Liquid assets / assets | 24.24% (p22 of band) | |
| Uninsured deposits / deposits | 4.49% (p13 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.78% (p0 of band) | 10.04% |
| Unrealized securities loss / equity | -5.94% (p0 of band) | 2.48% |
| AOCI / equity | -1.75% (p8 of band) | |
| ROA (annualized) | -2.49% (p1 of band) | 0.72% |
| Net interest margin | 2.68% (p12 of band) | 3.55% |
| Efficiency ratio | 250.31% (p100 of band) | |
| Noncurrent loans | 4.40% (p86 of band) | 1.19% |
| Net charge-offs (annualized) | 1.02% (p96 of band) | |
| Reserve coverage of noncurrent | 82.85% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 742.31% (p100 of band) | |
| Auto loans | $107,000 (0.65% of loans; DQ 1.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 | capital falling | noncurrent p90 |
| 2011-12 | 9 |  |  |
| 2012-03 | 10 | AOCI drag >20% of equity, noncurrent p90, deposits shrinking, assets shrinking | losing money, charge-offs p90, capital falling |
| 2012-06 | 11 | losing money |  |
| 2012-09 | 13 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 11 |  | deposits shrinking, assets shrinking |
| 2013-03 | 10 | charge-offs p90, assets shrinking | AOCI drag >20% of equity, noncurrent p90, uninsured deposits leaving |

## 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
- 2024-12-04 [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
- 2018-02-09 [Banks fell in the Great Recession, but they're stronger now - Naples Daily News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPei12aGhVOUtaMDZOR3hMM1BaaUNfckgyanNFSnZ5YXRJMFR2TERZTy01WnZ6Q1had1VmUDZOVm1BQTNXclVwN2dPdkU5ZkNlb3dqLWRjYl9RZnd2NjFOVGVnUUduYklqVDUzRXlPcmZFNU5RNGJDT28xZWkwS1huVXJMU20tcGhTVXByVDBpSUd0NVVuY0R0S1hTcFVfN0ltVlFEdm9iQ1NpYkZnZWI5dXVCbVE?oc=5) · Naples Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58034 (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/50.json (key "58034", 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