# COMMUNITY BANK
CARMICHAELS, PA · FDIC certificate 7848 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.66B | |
| Deposits | $1.39B | |
| Loans and leases | $1.18B | |
| Total equity | $169.7M | |
| Loans / deposits | 84.35% (p43 of band) | 87.10% |
| Liquid assets / assets | 24.25% (p62 of band) | |
| Uninsured deposits / deposits | 41.54% (p77 of band) | 30.76% |
| Brokered deposits | 2.03% | |
| Wholesale funding | 7.16% (p55 of band) | |
| FHLB advances / assets | 5.13% | |
| Tier 1 leverage | 9.94% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -4.21% (p67 of band) | -7.75% |
| AOCI / equity | -0.88% (p21 of band) | |
| ROA (annualized) | 1.06% (p35 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 66.42% (p72 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 308.47% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 34.72% (p36 of band) | |
| Auto loans | $20.8M (1.76% of loans; DQ 1.81%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 175 | |

## 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 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | loans exceed deposits, charge-offs p90 |  |
| 2018-06 | 2 |  | loans exceed deposits |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, losing money |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | losing money |
| 2021-06 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | expense ratio p90, reserve under noncurrent |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | charge-offs p90, assets shrinking |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | charge-offs p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-16 [Former BNY exec seeks to launch community bank in Pittsburgh - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxOS1NTbGZENnlIV3RsQWJpYTBha2QybEtYck9odUhFTXhBSzZ1V01nSmdFWE5LaUhSUEJ2dXRQcUhyVXFXLXh6WnNTcHhzelR5eEtqMnF4TFVEOHlNN1BYZDJEbE5wZDhFc2w5SURKdzUtVno0V2VBSU16UmJZbE1MUW5hRmZLQXgtWDBTZDlSaXJUTnJfZmJjYjZwdw?oc=5) · Banking Dive
- 2026-04-07 [Community Bank celebrates 125th anniversary with ‘Generations of Trust’ campaign - TribLIVE.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5CbUR3cFFSdXgtUkMwY0Nid0Nqb253U0xkUnRJa0lNWlhsM2l3a1R1TFlweG9tSUZyd3ZTV1FOazdRRm51azVUcmFWT2lNeUpsSEZfOF9n?oc=5) · TribLIVE.com
- 2026-06-02 [Penn Community Bank CEO Jeane Vidoni Wins State Banking Advocacy Award - MONTCO.Today](https://news.google.com/rss/articles/CBMie0FVX3lxTFA1T0JkRXhkSXhSQ0hYWVF1TGlfUU9vRTZfU1U1NWhWcEJmUE1BV05XRllveXY0QUYxX2xmdmhSR0NaeUV5ekw0ampfYWNfdDM4YnQtaWtKWTNWeVlzblFQbTZpdEZoNkpfMWNQVGlxUEx3YUVIMlZPRkpnUQ?oc=5) · MONTCO.Today
- 2026-07-27 [Washington County community bank plans 11th branch after KeyBank exit - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSDBfa2lmT09XTlVFWC1ReWNWYktfRHdRV0xFcERTYTlUakZzUURXQ3FrNmlWNUNQOERXdkJkYk9yWUpPSENOVWM5bGdzbzZBNlhHRkNoN1VKR1kxeklhNGVTSFVyM25HaFJVWWw4ODZxTlRHS2FxbHBiLVNnNkhTN3d0a0ZFX3ZOdG9ET2pzb0JKUFE?oc=5) · The Business Journals
- 2026-06-30 [Penn Community Bank Invests in the Future of Banking with Southampton Financial Center Renovation - BUCKSCO.Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxOM2RLYkZyNmxNN1JWT2FmR01lRllOX2xDOHpXVXhNVmVWYVVrNFdpNEc0dndfRjNpempHazhxdFhsTU5PMU5LLXZ6aWxxRWwtWXdrXzdDUmduRDVqTVhtTmdpRG03d2hWS1FNOFdOU0d3Q29uSEluSVdkU29TWTdSVUtMcTNkYkp1WGVLMXdaSy1HQzk1?oc=5) · BUCKSCO.Today
- 2026-06-08 [A bank breaks its silence on its shadow-AI breach - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxOR3BlSUsyTVFEQmtPdjhEU3oyYkdmTEVnMG1qbGM3Q1pIcEhBY2hDQlpESnlyRFp4TFJ6U2RFTG9LYUlkS1hPTjc1ZDg1LVh0MXNIUDNVSG1hcXVfSldYTVBrTkdweEhnaExsbTJFN0hkbTlfNENwRkgyelY2bTFBdWJWa1o5OE8wSUlFNFdR?oc=5) · American Banker
- 2025-11-12 [Community Bank completes acquisition of Lehigh Valley Santander Bank locations - Lehigh Valley Public Media](https://news.google.com/rss/articles/CBMiygFBVV95cUxQZnhvQU5oZDFMQjJtYVRIcWtYYXRaSTNOUlVxLWNPeVJhTmRCZE9GWjNJNk1tdE5Wa3ViUkJBUTZaaUtMR2hxaUItY1liY0lKa2lUSktlN24yQm9nS2c0MDk0WVRzTlNhWlI3WHdJUmZyUHNHclIxbzVyWnBhNWFzRmxNLUdGR3Z2cE02WVNPT3B1T3czLUhnR1pqa0RxRWNqY2FZOGd0WFFpVHh0VUdhR2tRLU5vcjdYSW1VZURlbFcwVEJnbG5uY3JR?oc=5) · Lehigh Valley Public Media
- 2026-05-12 [US bank discloses security lapse after sharing customer data with AI app - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxPaTlTUXliZ1ZEbFpCZENzVC1kX2FJRUpMczBmX3Niak5odVBuV0lSU3U1N2Z2cEE5bFl1bzNtUlJMaW1CTldoMjJ0a2I5ZndWQklYLURyWDdjY0cwRFQ1aFJ3MHZGa1RNTmtsSVFWVUxSU1N3MnhPTC1qRGdaaGxtZmVWUm53ajdJR1NTOFAxV3JSRF9tdGdXSHpNeWRYNXBZ?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7848 (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/40.json (key "7848", 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