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Community Bank

IDRSSD: 430344
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 430344 held $304.1M in total assets as of 2026-03-31 (+1.8% quarter-over-quarter). Total loans stood at $210.3M (+1.7% QoQ) and total deposits at $201.1M (+3.0% QoQ).

Overall position is adequate — the composite Health Score is 53/100 (Adequate). Tier 1 / RWA stands at 24.26%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
53/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$304.1M
+1.8% QoQ
Total Loans
$210.3M
+1.7% QoQ
Total Deposits
$201.1M
+3.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
24.26%
87th pctile · n=258↑ better
-22 bp QoQ
CET1 / RWA
24.26%
93th pctile · n=500↑ better
-22 bp QoQ
Total RBC / RWA
25.28%
87th pctile · n=258↑ better
-15 bp QoQ
Tier 1 Leverage Ratio
24.26%
93th pctile · n=500↑ better
-22 bp QoQ

Liquidity

Cash / Assets
7.97%
61th pctile · n=500↑ better
+83 bp QoQ
Loans / Deposits
104.58%
95th pctile · n=494↓ better
-133 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.38%
80th pctile · n=500↓ better
-2 bp QoQ
NPA / Assets
0.96%
79th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
5.78%
71th pctile · n=500↓ better
-3 bp QoQ
Net Charge-Offs / Avg Loans
-0.06%
4th pctile · n=500↓ better
-5 bp QoQ
ALLL Coverage of NPL
65.85%
30th pctile · n=500↑ better
+106 bp QoQ

Earnings

Net Interest Margin
2.91%
8th pctile · n=500↑ better
-4 bp QoQ
Return on Assets
1.57%
70th pctile · n=500↑ better
+23 bp QoQ
Return on Equity
10.66%
43th pctile · n=500↑ better
+145 bp QoQ
Efficiency Ratio
44.43%
8th pctile · n=500↓ better
-1005 bp QoQ
Pre-tax NOI / Avg Assets
1.57%
60th pctile · n=500↑ better
+23 bp QoQ

Funding

Brokered / Deposits
0.00%
27th pctile · n=494↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
21.57%
99th pctile · n=500↓ better
-81 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
19.44%
55th pctile · n=500↑ better
-72 bp QoQ
AFS Securities / Assets
19.44%
62th pctile · n=500↑ better
-72 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 07:51:28 UTC