# COMMUNITY BANK MANKATO
VERNON CENTER, MN · FDIC certificate 9760 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $538.3M | |
| Deposits | $473.9M | |
| Loans and leases | $475.6M | |
| Total equity | $51.1M | |
| Loans / deposits | 99.37% (p88 of band) | 82.04% |
| Liquid assets / assets | 10.42% (p5 of band) | |
| Uninsured deposits / deposits | 19.63% (p27 of band) | 25.97% |
| Brokered deposits | 0.56% | |
| Wholesale funding | 2.40% (p44 of band) | |
| FHLB advances / assets | 0.93% | |
| Tier 1 leverage | 9.49% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -0.19% (p94 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 1.01% (p32 of band) | 1.28% |
| Net interest margin | 3.51% (p28 of band) | 3.91% |
| Efficiency ratio | 58.10% (p40 of band) | |
| Noncurrent loans | 2.15% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.23% (p92 of band) | |
| Reserve coverage of noncurrent | 45.51% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 27.46% (p34 of band) | |
| Auto loans | $1.3M (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | construction >100% equity |
| 2013-06 | 1 | construction >100% equity |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 3 | liquid assets <10% |  |
| 2014-09 | 5 | loans exceed deposits, charge-offs p90 |  |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 4 |  | charge-offs p90, capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | capital falling |  |
| 2015-12 | 4 | charge-offs p90 | liquid assets <10%, loans exceed deposits |
| 2016-03 | 2 |  | capital falling, charge-offs p90 |
| 2016-06 | 2 | liquid assets <10% | construction >100% equity |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | construction >100% equity | liquid assets <10% |
| 2017-03 | 4 | liquid assets <10%, uninsured deposits leaving |  |
| 2017-06 | 4 | loans exceed deposits | uninsured deposits leaving |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent, construction >100% equity |
| 2018-03 | 4 | capital falling, reserve under noncurrent |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 3 | loans exceed deposits |  |
| 2019-06 | 4 | noncurrent p90 |  |
| 2019-09 | 1 |  | reserve under noncurrent, loans exceed deposits, noncurrent p90 |
| 2019-12 | 1 | reserve under noncurrent | liquid assets <10% |
| 2020-03 | 1 | capital falling | reserve under noncurrent |
| 2020-06 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2020-09 | 1 |  | capital falling, charge-offs p90 |
| 2020-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 3 | capital falling |  |
| 2023-06 | 5 | liquid assets <10%, uninsured deposits leaving |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | capital falling, uninsured deposits leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 5 | NIM <2.5%, noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2024-09 | 5 | construction >100% equity | NIM <2.5% |
| 2024-12 | 4 |  | construction >100% equity |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | liquid assets <10% |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 | charge-offs p90 | loans exceed deposits, noncurrent p90 |

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

- 2024-06-27 [Community Bank Mankato Area creates benefit account for Rapidan Dam Store family - KEYC News Now](https://news.google.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?oc=5) · KEYC News Now
- 2025-04-11 [Jason Allan Westerlund Obituary Apr 11, 2025 - Mankato Mortuary](https://news.google.com/rss/articles/CBMia0FVX3lxTE4xc3FQbDgxVnBqOUJGc2JmZm1RU1FrZ1VpTTRjQ0FLX2FFZ0EwVVF6ZmI3SG9lSWRzbE5lSHYtaVdUODBydFlTa2VjMVdNRVVhVnV2WklMeFpkVjBQQVZxcml3QmprRkZ5b2RZ?oc=5) · Mankato Mortuary
- 2026-08-11 [Chankaska winery receives $2.5M offer, seeks higher bids to resolve debt - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNaXJnTHdXcEFxUmR2b3gwWFdpNV9hZ21XUFoxcW9hM1NwLTJhWW5hbS0yTmgycmlGWmJkb0hFcWlkS2VOVmJ6QUxzYlhDbDhXbHZicTdZcFg3TFdZQWw5eWV2aU54LXJOcDd6Tjd3bXV5Uk1nWTZfQ2NJVjAyVlNxNmhGVkJPdVhPME8wZ25DTUQ4ZTBldlZvcEhUcGo2YnRLTkVPSQ?oc=5) · The Business Journals
- 2023-08-13 [Names and notables - Mankato Free Press](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQVmFjSjZuelo5b0tOSlhLb1VHb3loVXFMbWRWVExHQk9VUlJkZE51Q2ZVWHRxbkhycjB2aWRVd1BMVVdVbE9VdWpERDdHVVhhaUp3R0JmUVJZY19ydXlLV2g1VENoSVJiWjI3WGZ5SUN5bjNPUWMyWXh3WC1Fb1h1Tnk4YVU4cm14ZTV2ZVJxMTRHQVFRVDE5SkZpMDFtWjJndEhIWG16OUZRMW1wX0d1enVkbDBYTGNt?oc=5) · Mankato Free Press
- 2016-12-29 [Steele County lawsuit means extra debt for FiberPoP owner - southernminn.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQT2pPby1QZnVkdGJqZmtmT3VPajJHVTEtMGRoVDg1REJBb1ZxNkNma1Q3ZlJFYUxmMnJnR0dxSm5XYTNvc3I5WkEwdDRQelhZWlE1eHJWbnVCdmZTRmp0bW1Sc0k3UXZ6NmhDbEhENjZlOUNLNm02RVNBV1ljZE10S25HT0xmZHBwZWZuZ2NlMERnNnM4QVVvYld1TDlSTmFnam81OTBld0hrVXRfVEVCa2V1QldtczgwWEMwOXRWUm5uRF9OVjd0UnpZbGFnMlhSaHNscXZZYmQwbE9xUmtJRWdUd0tUMWVER1RDS3RNZGZCaWZLYlI0?oc=5) · southernminn.com
- 2015-12-17 [Donald K. Beadell Obituary Dec 17, 2015 - Mankato Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB2c05Ic1VXcFZQdUstRnJ6VURrNXV3M1RWZWhJa1hPZmthZUlieEFBTmJwM1UzazdBUS1mdGs4WW9vZ1U4S1NZNkVxdkUwNkRjWkdraTg0SnBvaEhScmhn?oc=5) · Mankato Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9760 (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/32.json (key "9760", 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