# COMMUNITY 1ST BANK
POST FALLS, ID · FDIC certificate 58576 · asset band <$300M · latest filing 2019-03 · 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 | $124.8M | |
| Deposits | $109.7M | |
| Loans and leases | $80.1M | |
| Total equity | $14.5M | |
| Loans / deposits | 71.88% (p42 of band) | 76.50% |
| Liquid assets / assets | 34.45% (p59 of band) | |
| Uninsured deposits / deposits | 30.93% (p90 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.67% (p54 of band) | 11.35% |
| Unrealized securities loss / equity | -0.70% (p39 of band) | -0.33% |
| AOCI / equity | 0.18% (p22 of band) | |
| ROA (annualized) | 0.85% (p40 of band) | 0.99% |
| Net interest margin | 4.37% (p81 of band) | 3.80% |
| Efficiency ratio | 74.63% (p62 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 129.28% (p98 of band) | |
| Auto loans | $34,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **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 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 1 | uninsured deposits leaving | capital falling, losing money |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | brokered >10% | uninsured deposits leaving |
| 2013-06 | 2 | capital falling, uninsured deposits leaving | brokered >10% |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 1 | construction >100% equity | capital falling, uninsured deposits leaving |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 0 |  | construction >100% equity, uninsured deposits leaving |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | construction >100% equity |  |
| 2017-03 | 0 |  | charge-offs p90, construction >100% equity |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

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

- 2024-02-21 [The CEO of the Year is James J. Kim, Central Valley Community Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOd01kUXR3WHdaVWg5czZIdjNXOHJydy1udURIY21DU2FOcTFSWkpDbUdJNm1paUNYdVRaRlhaTWJ2ZUVtSTJ1UDRudlp2SVBoSm1IaTBuRWNXdU1xZWw3a2wyRlQ4ZmVVZzV4M2FVcGg2RDRDWW1OaUotWFh5dVRadXdpSF9NdEdyb2FjMzhUMmVxY1dOWDl4U3BSeWw?oc=5) · thebusinessjournal.com
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2011-08-01 [Bank Robbery in Las Vegas, New Mexico - fbi.gov](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVy02eWJmSnpTQ1k4M3Q0bzlBQktkbTU2Q2V1LUY4NkRaQkZCSk1GSlRUMXNSenJXdzQtVFRLd25aQWNJc2kyT19sNUI2ay1LVW5iM2hYVVdvTFBZb1VoVHZtbnZXZGlGaVRCbnN6WDBXV0pSZlNOM3hwUmFSa1o5RFc2aWMwNlFhUEpXWEpCWGlkZw?oc=5) · fbi.gov
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2024-04-24 [Luna Community College Foundation Presents: Mariachi Gran Victoria Fundraising Concert - KRTN](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPYVAzc2hfSlg1WUFtcnlSM2E1cVc1MlloMnNGcHBIb2FrWWZLa0pBQTJxdFdRdmcteUg2eEJtOXBEQ2dzdUJmbktfQlRkbDVocmdIZUdBRVNlSWxzU3kxNGJWYXdxZXlfTExzRXpPdHhyUXpFMmpLZTNXYW1KZDdFOXlCWUZTY29SODBQSWNTbm9MR0hmRlVjNW0yYXlWYVZUUlJ5YkFra0ZET2VuTWNBMHR3cXp1blJZM2Vr?oc=5) · KRTN
- 2017-06-06 [Laura Harvey Obituary Jun 6, 2017 - English Funeral Chapel](https://news.google.com/rss/articles/CBMickFVX3lxTE91cy04TVZRZUFTcmJ0QkltdGlOLTkyRVZVYTk5U0ZCMFhDZDJab2QwZlcwbnpYcXBSd2o2cm9KcV8zVF93a0hWTW1aVXU1V1ZhT1hsampzMG1SQmFmQnV5Qmd1Q1RKckxTMlVGWVMyelVzUQ?oc=5) · English Funeral Chapel
- 2025-03-30 [Loretta Lynn Fish Obituary (2025) - Valentine, NE - Sandoz' Chapel Of The Pines - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQN20yR1hjMnJxUGQ0a1J0U21IZm5hdmlTLXU3NWhmNGdMdzMtX19yVU8wcEpneXd1SVprb3ZESFZuS0JJTjVROG5vOGN5OHpVNW9DSnQ4VXhvRGhYVHZlVmExb3pZaU9DSVNuSG5zX3IzM3ozelE1OVpuanZIeW9ScQ?oc=5) · legacy.com
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58576 (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/16.json (key "58576", 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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