# COMMUNITY BANK
ZANESVILLE, OH · FDIC certificate 5981 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $680.1M | |
| Deposits | $599.5M | |
| Loans and leases | $480.0M | |
| Total equity | $70.2M | |
| Loans / deposits | 79.28% (p44 of band) | 82.04% |
| Liquid assets / assets | 25.34% (p51 of band) | |
| Uninsured deposits / deposits | 19.60% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.58% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -7.99% (p50 of band) | -8.10% |
| AOCI / equity | -0.49% (p42 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 3.93% (p51 of band) | 3.91% |
| Efficiency ratio | 68.51% (p70 of band) | |
| Noncurrent loans | 0.23% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 426.16% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 24.57% (p30 of band) | |
| Auto loans | $41.3M (8.60% of loans; DQ 0.62%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 133 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2026-09-06 [The hidden cost of losing your community bank: disruptive innovation - The Hill](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdllZLVp4cC1CNE5vdjg3SlZWYXdGZlRObF9CWXRTVjVCcnpfaEFQb1BGUVRIYUYzaTF2YmJibFQ1czdCaEdrQ2l4Zjh6bm0zQ3NzSXgtaWNndjUtdnZnYXVwNjBzWVNJLUpRWmtySm96SzIzclhILTdleno1LVJlTjZic9IBiAFBVV95cUxNOVNhS3V3LUxhWHlHUjRjZEwzQmVVdng4WEwwUElkamJRbUo2MFVWa0ZLQWNkMm9EQXhlT2JIQ0h1MU9LaUZUdTNMMG5WdUZERmMwa2VuV1dpYW5RVzdPTnQ4ZGlrSEFyVHdIQW1TcXhBTlBDLXA5YVdNYTEtOE9HZlRLNFo1SW1z?oc=5) · The Hill
- 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
- 2026-08-26 [Florida credit union to acquire bank, rebrand itself - Banking Dive](https://news.google.com/rss/articles/CBMivAFBVV95cUxNQklLX0NJS2w1X19MeHJmbHoxVlNFWUliMVZIZkN6NG5GNjI5a0J3U0VtMlRUNldFVWRHZU1jRWQwM3p1TTFkLXRoMnJuc2VXLVFrcFRkX2ZZNTYzSko5ZERaTGJ0UjVXX2wxdUhYem9WUzJpUnQxaEktT0E0TExVUmRXTjhYc1dHNlNnd3kweHNmdVFsa0N5ZFNUQVNBOEpkM2FXbjBIekVyZEl5eFBMemNHLW1URHVqZGRyVw?oc=5) · Banking Dive
- 2026-09-03 [Bank of Cave City named national community bank service award winner - White River Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxORmgzcG96U3JlRlNhdzhZaXZ2aGRlYlhLTFFvUVlYMl9BNW5YT1RVZHhrMGkxSVBvQjBBTWloejMtSERMdGhkS201VUlMdjNlTDFtRllOWE9xMml4TlNkMDE1MFVVQndTLXdUXzk4UmlqRkhDYTRIS3F6Y0V3bkp6QzZvZHJMT0lPcUZiU3NmejJ0T0lxSUx2TEdfY1dHYm9iUHdmUkJfRHBzQnR3ZkZ3?oc=5) · White River Now
- 2026-09-01 [Sound Community Bank CEO reflects on the path from credit union to Nasdaq - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTDVWUnFId2dFc1QwWDlPdmZfRTl3T1dLWVVnaVpJaTFXU08zUHlRZGVpdFpSVWZ3bnVGcGlSdVBPMElqLXRGTXlrdVRDU05OME9pNEJEU1VKMWk1c0xhQWtrVkRaTUJtamVBV2ZETDlJN1RpdVZaQ293ZC1SVFNEa3lBdF91ZnJZNC0tTjc4OERmMFVjOXZNa0dGaHA?oc=5) · The Business Journals
- 2026-08-25 [Daniel Kemper Promoted to SVP at First Community Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMicEFVX3lxTE9iTzBpNm92U3UxeTdBckhVQmV3eUNFeDdmZ2NLNE5UOTByVVE3ZHpwTWV3MGtEblFKQ0lKUDdMam5CTmxZdzFITXhNbHE2amhSSnktS3h2eC1tZHFNN2s2Z2tGN1Z5ZElZSUxJY0tEXzQ?oc=5) · Arkansas Money & Politics
- 2026-05-28 [Highlight: Community bank ratio of core deposits near 15-year lows - Kansas City Fed](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZlY1M2xvSDREdFotRjFtdWcyNnduOGJUTks3WV9hZEY2SW4xdGE2R3VIWWlSRE9pV0FIU3h1WVZ0OEhaM25BV2VsaW5IbEZrQnBTQnJ0aVhURXc3QTN0VDBDNWMzcE5BNmJScnNTdWRXT3ljSDVHNWtEelNlY0t0cUQ0d2JnZWZhTG51UGRBaG9tZmZ2RkloTUdOTmxBYlc4b3FKX0pJdFEtYkdrSE5Cd1JWSXJ6enhlR3BvVEhZZFNHUnp4TVJuVHN4TGw?oc=5) · Kansas City Fed
- 2026-08-03 [Why more St. Louis businesses and families are rediscovering the community bank - St. Louis Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSXlwbVVMOUVBY1lIUGl4b3JBOVZCaEpfT29fZlZtb3ZhQzN0QVdHYk5JcUdDLXY0ODkwa1YtTGdzRURnVVFWbXpuZ2pyYWZmTkZudHIyUlVaYVFBZjI2T0xDSFhpR2MtRGRRRHNsaDJpLTVGa0tMczdHbU1LQ3NRM2ZGbVdHdw?oc=5) · St. Louis Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5981 (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/29.json (key "5981", 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