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 climbed 152.13 percentage points in Q2 2026, from 76.48% to 228.61%. It was the largest change from Q1 2026 among the key lines here. Community Bank ranks 97th of 225 Iowa banks on return on assets, in the upper half at 1.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank sits 0.24 points higher, at 1.49% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.86% |
| Tier 1 risk-based capital ratio | 15.86% |
| Total risk-based capital ratio | 16.67% |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.83% |
| Tangible equity to tangible assets | 10.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 1.24% |
| Texas ratio | 3.91% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 228.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 14.27% |
| Net interest margin | 3.95% |
| Efficiency ratio | 52.91% |
| Yield on earning assets | 5.79% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.41% |
| Core deposits to total deposits | 90.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.68% |
| Securities to assets | 21.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.22% | 16.22% | 17.03% | 11.04% | 0.69% |
| Q4 2023 | 16.80% | 16.80% | 17.62% | 10.70% | 0.60% |
| Q1 2024 | 17.57% | 17.57% | 18.42% | 10.76% | 0.60% |
| Q2 2024 | 17.49% | 17.49% | 18.33% | 10.93% | 0.93% |
| Q3 2024 | 17.30% | 17.30% | 18.15% | 11.45% | 1.24% |
| Q4 2024 | 17.38% | 17.38% | 18.23% | 11.16% | 0.63% |
| Q1 2025 | 17.55% | 17.55% | 18.38% | 10.76% | 1.13% |
| Q2 2025 | 15.91% | 15.91% | 16.72% | 10.88% | 1.41% |
| Q3 2025 | 15.39% | 15.39% | 16.24% | 11.34% | 1.46% |
| Q4 2025 | 15.58% | 15.58% | 16.44% | 11.04% | 1.50% |
| Q1 2026 | 15.91% | 15.91% | 16.89% | 11.01% | 1.01% |
| Q2 2026 | 15.86% | 15.86% | 16.67% | 10.99% | 1.49% |
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 14649) · FFIEC NIC profile (RSSD 675042)