# COLUMBUS COMMUNITY BANK
COLUMBUS, GA · FDIC certificate 58299 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $132.6M | |
| Deposits | $105.1M | |
| Loans and leases | $104.2M | |
| Total equity | $15.8M | |
| Loans / deposits | 97.22% (p89 of band) | 73.61% |
| Liquid assets / assets | 17.80% (p18 of band) | |
| Uninsured deposits / deposits | 20.27% (p75 of band) | 13.65% |
| Brokered deposits | 1.89% | |
| Wholesale funding | 10.56% (p83 of band) | |
| FHLB advances / assets | 8.67% | |
| Tier 1 leverage | 12.18% (p70 of band) | 10.70% |
| Unrealized securities loss / equity | -0.18% (p13 of band) | 0.86% |
| AOCI / equity | 0.72% (p78 of band) | |
| ROA (annualized) | 0.93% (p55 of band) | 0.84% |
| Net interest margin | 4.28% (p83 of band) | 3.64% |
| Efficiency ratio | 65.33% (p32 of band) | |
| Noncurrent loans | 1.25% (p66 of band) | 0.69% |
| Net charge-offs (annualized) | 0.04% (p62 of band) | |
| Reserve coverage of noncurrent | 155.61% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 153.75% (p99 of band) | |
| Auto loans | $313,000 (0.30% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 1 |  | uninsured deposits leaving, reserve under noncurrent |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | loans exceed deposits, deposits shrinking |  |
| 2015-06 | 1 |  | loans exceed deposits, deposits shrinking |
| 2015-09 | 2 | capital falling |  |

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

- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-10-02 [Dennis Calhoun Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdW8tczMxdWdEaS11LTFncmdtR2lsTlFFRGtVOUh4ZVdVWGxYcnpYV2tTNHE0YTZwQnNkaFJfYUNxQjVPTXIxc01pQVdzUFkta1BycFJ0Z2cxdDc0TWhtV2R3Z2lMWEtDRHJQWFB0OFNIVW1Tdld3dFdST1BZZDc1bGw0aXY?oc=5) · Dignity Memorial
- 2021-12-30 [They died in 2021. How these notable people made an impact on Columbus area - Columbus Ledger-Enquirer](https://news.google.com/rss/articles/CBMickFVX3lxTFBVakFtVmk1N3V2bEZvM2c0QmhUYXotWmthXzhPYnBKOUZuZDNsTDkzeTlGLTcycDhjYm1pUDhPbURQejVTSW5XR290U2hrSmVqOGZqVHk2X3lycVktdFN4bWl5WGJ3cy1NV241V05YbVl5UdIBckFVX3lxTE9IWEtnWVZVcWd3LVNweGtMb2cwY19ZQzA0SEt5dEdwRmdNM1BRYjItLWd0QkRZX3YtSkYyUVRpeTlMTFFCMElfc09KTVYzTWZ6UE5yQ2VZVHc5X3lJbklkZktESG1SQXhxb3NnU1Q1T2s4QQ?oc=5) · Columbus Ledger-Enquirer
- 2016-02-26 [George Jeter Obituary - Columbus, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdUJrRm1jNHIxN0VjUk16UTRVVTlsdlRtdDRCa2kyNEVvby1yaEpuVzBfcW0xTGpZNDJSeHZsVnpQdEp1RnRzQ1dGSkJhd2Y5NXpseDhFbXFabHpDdnlaSTB3SjNPNWFvcThhV04zNThBX0hENFlybDFySTJaQnFYSw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58299 (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/59.json (key "58299", 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