# COMMUNITY BANK
BRIDGEPORT, TX · FDIC certificate 58517 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 (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 | $211.8M | |
| Deposits | $191.8M | |
| Loans and leases | $119.5M | |
| Total equity | $18.3M | |
| Loans / deposits | 61.85% (p32 of band) | 73.59% |
| Liquid assets / assets | 38.89% (p61 of band) | |
| Uninsured deposits / deposits | 26.82% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.55% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -25.71% (p17 of band) | -6.57% |
| AOCI / equity | -1.58% (p16 of band) | |
| ROA (annualized) | 1.12% (p48 of band) | 1.17% |
| Net interest margin | 4.18% (p63 of band) | 3.93% |
| Efficiency ratio | 65.67% (p50 of band) | |
| Noncurrent loans | 1.64% (p81 of band) | 0.36% |
| Net charge-offs (annualized) | 0.26% (p94 of band) | |
| Reserve coverage of noncurrent | 46.37% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 161.00% (p98 of band) | |
| Auto loans | $1.6M (1.31% of loans; DQ 0.45%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.4% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | deposits shrinking | construction >100% equity |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | capital falling, construction >100% equity |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 | reserve under noncurrent | construction >100% equity |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 1 | construction >100% equity |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 4 | capital falling, securities losses >30% of equity |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2026-06 | 4 |  |  |

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

- 2026-09-09 [Tracy O. King named 2027 Mr. South Texas honoree - lmtonline.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOa051azR3MWZFWWdkNHB0OVJBUTlBcF9KVnlvNU9WeXdJa2FySkhvVGZpYU81dV9ZNlI4dWk2alhQdDNjcGJaVjh4Yzg3clpXa21qQkwzX0REYTBXYkRBOTdRaEd0WDlRSVpJREZVaXNfN01hVzhMcFVBTmlhTjYxNzNvUEtyVURoVW5QVmFn?oc=5) · lmtonline.com
- 2026-04-09 [First Community Bank to acquire Port Lavaca bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcEJsTGg2WEZqQ0c0QjJBVHJLX21PTjNUNnVwM1hDcm9OSktnUHpXdXBxM3Flc3VsVl9LWGp5NGNtaktDdU9oNXRQN3BTZ3c5T1BKNGJNZ3k5cEZycTRJSnpMdzZoR1JDZko3TnRDb09WN0FYakpyTkNRc3BRUW95Y2d1bmx0cHRxNDB6bjVWUkFpS0MySUhONTY0YkJDdTVxUTNqS2dEU21LUUpwd2hSODR2WXhSUnd0ZVhwY1VQRVlIMENPVjYzUkY1UVBnZFB3aVNHV1QzWl9BZnNZ?oc=5) · SouthTexasNews.com
- 2026-02-12 [ATR Applauds Cruz-Britt Community Bank Relief Act - Americans for Tax Reform](https://news.google.com/rss/articles/CBMidEFVX3lxTE00RTZhT2Z2SXhpTlY2RXpvZmlaWENhcFZsc0E5RXp3TVVmU2tSVDJhR1FEMmJIWmZlN1Zpc016azVWVkRRaXpzN01Ea3U4V2dwRDA1cWpVdFlDYmhhZ0ZhY1VrbmFDbW4tSHB5YnJncVFhR1Rp?oc=5) · Americans for Tax Reform
- 2026-04-23 [First Community Bank expands Gulf Coast footprint with Port Lavaca acquisition - The Victoria Advocate](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTE1SMDdMejhZRFJPcWRpRXhfVE0wcnF3V3ZaeHQwZ1o3QVpQX2ZtNy11WnFTeW1qSGQ3Z0s2OTIwSXp5NW9MdGxreVRnb04tOU5OMU9aZ1NtS0RHTEJzVlVrZVF2UlZRZU4tUEhxNF9XTWRmZGNQdjNzdXBaajBScmQwelUzbUFmS3A0dFBNMUUydDBuNFF1RTN3V2dTaWZsNXV2QVp4Qm5SdGpMeHl0NnNTcjREVExDZG0w?oc=5) · The Victoria Advocate
- 2026-03-13 [2026 AMP C-Suite: Dale Cole, First Community Bank Chairman & CEO - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiakFVX3lxTE1SckNIM19IUm9XeVhWM05fel9WekFGd2FmQmh2aDRVNXZ2dmpvRU1xTVJSM0RGS3d1aXdwZEpCUkJ3Z3VTWWdtMVNyX2FRNUVNb1pfZEEtZlBtYUNrTnRiUkVxb1dzak15cUE?oc=5) · Arkansas Money &amp; Politics
- 2026-09-02 [The Best Banks in San Antonio, According to Locals - MySA](https://news.google.com/rss/articles/CBMibkFVX3lxTFB2TWlUU2gxb0hsMjlLWTNPaGxJMkY5RWRkNFA5SWswTEtsSzJHS2tCa09rbDc0Q2VHNDB5ZXFhRHhqOVM1SjhHSzROcWhFRmFsb19Ib0VVZ3dhQ0hzMFpIU2RFdE9lcHB4NkNpRTN3?oc=5) · MySA
- 2026-05-04 [Texas Republic Bank celebrates 15 years of local banking - Community Impact](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUmM5RWQ0dTNkeV83V1hURS1wTzV6UDRZbTFrQ053X3ZIclYwTXNvQXhyZC15SURhNlNxU0RkYmNCUU5KcnF3dVo5Y0w0bjVRX1NBTXR5TTFBaXBROW5abkdkOHk5YzVtR0ZfWk54VGpZQmdPUHFrU3dEZVkzRGhlWUxmRDUwVk1XWXp1c29wc1RQNW5lenMzMXZuTlBiV0M3dF84?oc=5) · Community Impact
- 2026-07-28 [Ask Us 2026: Texas Community Bank has South Texas Roots - lmtonline.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYk9FellPQzlGUVRRSlh4TTFyaTdobmp4c0ZpTDM5bUwySUljemstVU9Ya09wanI3czU3VTJBZjdFRWliWFdTbEd1Tm9MU2Z6MWdGdmw0VDdHR20xbE5oMW5KM19aQldlSXV1elZnbVp1dTBlT040VlY0aExiYlQ2NzlPeWNEWGJCampTSUx4ZVkxOFcteV9jLU54VnlIZ00?oc=5) · lmtonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58517 (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/21.json (key "58517", 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