# COMMUNITY BANK DESTIN
MIRAMAR BEACH, FL · FDIC certificate 58468 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $101.5M | |
| Deposits | $77.5M | |
| Loans and leases | $62.7M | |
| Total equity | $23.3M | |
| Loans / deposits | 80.78% (p74 of band) | 68.02% |
| Liquid assets / assets | 19.36% (p14 of band) | |
| Uninsured deposits / deposits | 6.89% (p39 of band) | 8.86% |
| Brokered deposits | 6.47% | |
| Wholesale funding | 6.47% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.67% (p60 of band) | 10.05% |
| Unrealized securities loss / equity | 0.16% (p16 of band) | 3.01% |
| AOCI / equity | 0.03% (p55 of band) | |
| ROA (annualized) | 0.20% (p18 of band) | 0.76% |
| Net interest margin | 2.05% (p3 of band) | 3.75% |
| Efficiency ratio | 73.50% (p50 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.21% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 41.40% (p76 of band) | |
| Auto loans | $21,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 0 |  | losing money, expense ratio p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | NIM <2.5% |  |
| 2012-12 | 1 |  |  |

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

- 2019-12-04 [PHOTOS: Old Emerald Coast businesses, locations from "back in the day" - nwfdailynews.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdnVJT0Y5MmlzN2hMYm1fVTFiV1ZQc29Gd010ZWVuR3VkNGw5OXlrdE5XN1R5Rl9BQjhRZlNtV3U0dGJ2djc3bzYwM2RMb21TZm5SSDdDMkZQVE9wbXdrM3lkY2VGc3FyRzVrNEV1SjRNSlg5blJsdWdOX0pXakFJTUlvdDBKckRjM21UZ2NNeU5VOUcwd3hkZFFEMWtQV0ZFTE8wcFhRRXBLUWl5MkE?oc=5) · nwfdailynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58468 (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/36.json (key "58468", 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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