# COMMUNITY BANK NATIONAL ASSN
CANTON, NY · FDIC certificate 6989 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (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 | $17.45B | |
| Deposits | $14.87B | |
| Loans and leases | $11.28B | |
| Total equity | $1.67B | |
| Loans / deposits | 75.26% (p24 of band) | 85.78% |
| Liquid assets / assets | 26.73% (p65 of band) | |
| Uninsured deposits / deposits | 31.51% (p33 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.38% (p29 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 7.86% (p11 of band) | 10.17% |
| Unrealized securities loss / equity | -23.29% (p9 of band) | -7.43% |
| AOCI / equity | 0.08% (p87 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.24% |
| Net interest margin | 3.50% (p43 of band) | 3.57% |
| Efficiency ratio | 57.06% (p62 of band) | |
| Noncurrent loans | 0.50% (p32 of band) | 0.66% |
| Net charge-offs (annualized) | 0.07% (p50 of band) | |
| Reserve coverage of noncurrent | 161.43% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 21.24% (p37 of band) | |
| Auto loans | $1.75B (15.52% of loans; DQ 1.08%, NCO 0.02%) | |
| Loans to nondepository financials | $32.4M (2% of equity) (p30 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 2119 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 | capital falling | wholesale funding >15% |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | expense ratio p90 |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | capital falling, assets shrinking |  |
| 2014-03 | 0 |  | expense ratio p90, capital falling, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2017-06 | 0 |  | uninsured deposits >50%, capital falling |
| 2017-09 | 1 | uninsured deposits >50% |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling, uninsured deposits leaving | uninsured deposits >50% |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 3 | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | leverage <7% |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | losing money, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  | losing money |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | securities losses >30% of equity |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6989 (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/13.json (key "6989", 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