# COMMUNITY BUSINESS BANK
CUMMING, GA · FDIC certificate 58624 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $154.9M | |
| Deposits | $126.9M | |
| Loans and leases | $96.0M | |
| Total equity | $19.4M | |
| Loans / deposits | 74.42% (p57 of band) | 70.43% |
| Liquid assets / assets | 36.10% (p53 of band) | |
| Uninsured deposits / deposits | 18.70% (p72 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.50% (p71 of band) | |
| FHLB advances / assets | 1.35% | |
| Tier 1 leverage | 12.93% (p78 of band) | 10.49% |
| Unrealized securities loss / equity | -0.74% (p6 of band) | 1.32% |
| AOCI / equity | 0.24% (p37 of band) | |
| ROA (annualized) | -0.24% (p5 of band) | 0.80% |
| Net interest margin | 2.92% (p17 of band) | 3.57% |
| Efficiency ratio | 104.68% (p94 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 54.08% (p84 of band) | |
| Auto loans | $127,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.6% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | charge-offs p90 | capital falling |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 2 | losing money, expense ratio p90 |  |

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

- 2023-01-04 [BM Technologies, First Sound Bank nix $23M merger - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxNcHFiNFR3S19EcHdhR0UtWlFaNGRTX1VOb2d0NklWcUNVc1dtMXI3TmtMb3hUSDdIZGZVM2puZTBldFRVclNnaWRsWWpsMkJlZnQzVGUxaGg3U1BxbndaQmkxRHdOQkhXemotSEVoZDVMd1BRWlJiaWdJWW5LaEk4S0NFbWtsVGY3XzRadjc2STlVU2tWTmc5QzZidGNrM2xYZEFKaGdfdTA4dGNUNUFJMEI4M1pHQQ?oc=5) · Banking Dive
- 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
- 2018-09-14 [Community Business Bank opens second site - Forsyth County News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNmNKd0dwUGdsbFZ5ZTZQbUNib3h2WU94ZWFiNFBvUkVKVldoSmZ5X3dHOXZpN0NhZ3NXREZyTWlxNXdGSFc5Wmc5ZzMxdUNyVnIyYWJ3enR3R0Q0OUtEeGQtQXpMVDdTZVFjSFNOUjJ6RElsSkFWTmFva0daeGI1QXZZeW1na0pwQjRNWnRB?oc=5) · Forsyth County News
- 2024-07-03 [Bonnie Sanders Cagle Obituary Aug 20, 2011 - Ingram Funeral Home & Crematory](https://news.google.com/rss/articles/CBMic0FVX3lxTE5oaE5EMS1XdUEzenJZX1RSM1VWbVZxLTlIQllpWWdUOTZOMlJVMVdEWGlDQkl4NzJnQ1dtYjVybUhrTmctR0dGckRhN1hoVWwzMkFnS1pMU2pvQmFpbE9lb1JySkVBR1VmdzJrRkhJaUhMSzg?oc=5) · Ingram Funeral Home &amp; Crematory
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2018-07-20 [Daily Business Report-July 20, 2018 - sandiegometro.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE8tX3Rud3hwTnozaGxwanRDYzN4MXFBSGhDeW5SZXdMXzJ1Vm5uNFBfbnc5NXRMX1dldTZGOW91ejhWZlpCTWIzOGxjVDQxZE9LbGVUbUZyZVRhRTM1Q2l5Y0EzNjN6WHRmdEVHTWl3TWdkbU1FYTlmbFpLYWFCdw?oc=5) · sandiegometro.com
- 2012-06-03 [Nanney-Patrick engagement - News-Herald](https://news.google.com/rss/articles/CBMic0FVX3lxTE5qNHVZNDlodks0SGpfNVc1ejdPNmV5b3Y2T0gxb3UzbUxFejAtdjRyYmhEbFExRnhGd1ZqajIycUxjWTVZdlRhalByV0dWRENfcmhKQ1NfZ1NOMWRlbDk4RkRjRm5uRjJjcHdob2VqcWs4aEU?oc=5) · News-Herald
- 2017-07-18 [Two banks rank high on firms report - Forsyth County News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMjhaSE9tT1JIVVBXay1OdDBBUEs5cmk3eUZaTFdoNXYyZEU2Q1dYNi1UODcwQmh4LTBodkVqNU5aXzVXSjFvOU10YTN6TFR2R0R6YlFpMmxIUXU2UUVMMzhlay1QWFUzaTk5UkVYNjF0U3dvSEhLXzJIVDg2b1dCV1NObUNlUQ?oc=5) · Forsyth County News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58624 (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/0.json (key "58624", 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