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.
Loan-to-deposit ratio dropped 2.20 percentage points in Q2 2026, from 91.83% to 89.63%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Community Bank ranks 8th highest among the 345 banks headquartered in Texas, at 3.11% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Community Bank reported 3.11% on return on assets in Q2 2026, 1.86 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 11.83% |
| Tangible equity to tangible assets | 11.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.11% |
| Return on equity | 26.35% |
| Net interest margin | 4.47% |
| Efficiency ratio | 38.19% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.63% |
| Core deposits to total deposits | 84.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.05% |
| Securities to assets | — |
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 | 10.93% | 2.85% | 4.24% | 0.00% | 0.00% |
| Q4 2023 | 10.35% | 2.78% | 4.30% | 0.00% | 0.00% |
| Q1 2024 | 10.58% | 2.78% | 4.15% | 0.00% | 0.00% |
| Q2 2024 | 10.71% | 2.63% | 4.19% | 0.00% | 0.00% |
| Q3 2024 | 11.43% | 2.64% | 4.25% | 0.00% | 0.00% |
| Q4 2024 | 11.05% | 2.64% | 4.35% | 0.00% | 0.00% |
| Q1 2025 | 11.48% | 2.61% | 4.20% | 0.00% | 0.00% |
| Q2 2025 | 11.74% | 2.94% | 4.32% | 0.00% | 0.00% |
| Q3 2025 | 12.00% | 2.79% | 4.47% | 0.00% | 0.00% |
| Q4 2025 | 11.53% | 3.12% | 4.48% | 0.00% | 0.04% |
| Q1 2026 | 12.10% | 2.77% | 4.44% | 0.00% | -0.03% |
| Q2 2026 | 11.95% | 3.11% | 4.47% | 0.00% | 0.00% |
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 25752) · FFIEC NIC profile (RSSD 572655)