Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 419.94 percentage points in Q2 2026, from 871.67% to 451.72%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Community Bank is 45th of 56 on return on assets, 0.90% as of Q2 2026, below the middle of the field. Community Bank reported 0.90% on return on assets for Q2 2026, 0.08 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.20% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 11.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 3.02% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 451.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 8.14% |
| Net interest margin | 3.81% |
| Efficiency ratio | 61.03% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.65% |
| Core deposits to total deposits | 87.19% |
| Brokered deposits to total deposits | 3.32% |
| Deposits to assets | 86.92% |
| Securities to assets | 31.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.19% | 0.34% | 2.60% | 0.49% | 0.77% |
| Q4 2023 | 12.86% | 0.33% | 2.76% | 0.00% | -0.55% |
| Q1 2024 | 12.36% | 0.09% | 2.48% | 0.00% | -0.03% |
| Q2 2024 | 12.16% | 0.49% | 2.71% | 0.37% | 0.04% |
| Q3 2024 | 12.42% | 0.47% | 2.92% | 0.35% | 0.01% |
| Q4 2024 | 12.14% | -0.08% | 3.11% | 0.28% | 0.25% |
| Q1 2025 | 12.65% | 0.71% | 3.19% | 0.29% | 0.23% |
| Q2 2025 | 13.16% | 0.44% | 3.73% | 0.20% | 0.22% |
| Q3 2025 | 12.88% | 0.44% | 3.62% | 0.18% | 0.01% |
| Q4 2025 | 12.21% | 0.01% | 3.54% | 0.14% | 0.37% |
| Q1 2026 | 12.02% | 0.90% | 3.61% | 0.14% | -0.03% |
| Q2 2026 | 12.20% | 0.90% | 3.81% | 0.27% | 0.46% |
Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1687) · FFIEC NIC profile (RSSD 276953)