COMMUNITY BANK, THE

LIBERAL, KS | Small | Est. April 6, 1998, midnight | FDIC #34666 | RSSD #2621940 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK, THE is asn small FDIC-insured commercial bank headquartered in LIBERAL, KS, established in April 6, 1998, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $153M. Profitability stands at 1.16% ROA and 10.52% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 19.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.36%. FDIC Certificate #34666.

Assets

$174M

Deposits

$153M

Loans

$93M

Equity

$20M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 10.52%
Net Interest Margin (NIM) 3.95%
Yield on Assets 5.45%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.36%
NPA Ratio 0.04%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 19.89%
Tier 1 Capital 19.89%
Total Capital Ratio 21.14%
Leverage Ratio 12.91%
Loan-to-Deposit 60.85%

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