Community Bank (Avon, SD)
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Data as of · sourced from FFIEC call reports. How we update
Community Bank is an FDIC-insured commercial bank headquartered in Avon, SD, established in 1914 (FDIC certificate 1687), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $69.3M, up 9.2% from Q2 2025, the 47th largest of 56 banks headquartered in South Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1687
- Headquarters
- Avon, SD
- Established
- 1914
- Total assets, Q2 2026
- $69.3M
- Assets vs Q2 2025
- +9.2%
- Tier 1 leverage ratio, Q2 2026
- 12.20%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091406972
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank call report
- Asset rank in state
- 47th of 56 in South Dakota
Problem loans are rising at Community Bank. Its balance sheet stood at $69 million at June 30, 2026, up 9.2% from a year earlier; it is based in Avon, South Dakota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.29% a year earlier. It grew deposits 9.8% over the year, 3.9 times the median of 2.5% for the 583 banks with less than $100 million in assets.
Earnings jumped: net income for the quarter was $161,000, 127% above the same quarter a year earlier. Its $9.5 million commercial and industrial book is improving, with 1.19% past due or on nonaccrual, down from 1.89% a year earlier.
As of June 30, 2026, Community Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank is the 47th largest of the 56 banks headquartered in South Dakota. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $69.3M, loans rose 0.4% and deposits fell 2.3%. Agricultural production loans made up 45.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.3%. The FDIC Summary of Deposits lists a single office for it, in Avon, SD. By the capital ratios in its Q2 2026 call report, Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 118 Main St N, Avon, SD 57315
- County
- Bon Homme
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $60.2M
- Allowance for credit losses
- $524K
- Net charge-offs (YTD)
- $46K
- Average total assets
- $71.4M
- Average total loans
- $42.5M
- Average interest-bearing deposits
- $45.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1687
- Fed RSSD
- 276953
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Bank's total assets ran between $60.9M (Q3 2023) and $70.6M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$69.3M total assets against $63.4M; $61.3M total liabilities against $56.1M.
$42.0M net loans and leases against $37.8M; $60.2M total deposits against $54.8M.
$21.6M securities against $21.5M; $2.7M cash and balances due against $1.1M.
$950K total interest income against $846K; $309K total interest expense against $282K.
$641K net interest income against $564K.
$34K total noninterest income against $52K; $417K total noninterest expense against $478K.
$50K provision for credit losses against $45K.
$161K net income against $71K.
0.90% return on assets against 0.44%; 3.81% net interest margin against 3.73%.
12.20% tier 1 leverage ratio against 13.16%.
Inside the full Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.08% (Q4 2024) to 0.90% (Q2 2026) and its net interest margin ran from 2.92% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.20% | 0.90% | 0.60% | 3.02% | 3.81% |
| Q1 2026 | 12.02% | 0.90% | 0.79% | 4.01% | 3.61% |
| Q4 2025 | 12.21% | 0.01% | 0.14% | 0.74% | 3.54% |
| Q3 2025 | 12.88% | 0.44% | 0.74% | 3.71% | 3.62% |
| Q2 2025 | 13.16% | 0.44% | 0.29% | 1.40% | 3.73% |
| Q1 2025 | 12.65% | 0.71% | 0.37% | 1.76% | 3.19% |
| Q4 2024 | 12.14% | -0.08% | 0.28% | 1.35% | 3.11% |
| Q3 2024 | 12.42% | 0.47% | 0.35% | 1.57% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank (main office) | Avon , SD | 57315 | $60.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 61 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $45K approved, $45K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank
What are Community Bank's total assets?
As of the Q2 2026 filing, Community Bank reported total assets of $69.3 million in its FFIEC call report.
Where is Community Bank headquartered?
It is headquartered in Avon, SD, United States.
When was Community Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank?
Community Bank's primary federal regulator is the FDIC.
How many branches does Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank's Texas Ratio?
Its Texas Ratio is 3.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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