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 454.33 percentage points in Q2 2026, from 588.65% to 134.32%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Community Bank is 26th of 169 on return on assets, 2.16% as of Q2 2026. Community Bank's return on assets of 2.16% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.90 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.09% |
| Equity capital to assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.86% |
| Non-performing assets ratio | 0.88% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 8.06% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 134.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 22.10% |
| Net interest margin | 6.01% |
| Efficiency ratio | 53.69% |
| Yield on earning assets | 7.29% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.15% |
| Core deposits to total deposits | 84.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.80% |
| Securities to assets | 6.45% |
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 | 16.67% | 16.67% | 17.93% | 10.68% | 2.35% |
| Q4 2023 | 14.39% | 14.39% | 15.64% | 9.25% | 2.24% |
| Q1 2024 | 15.29% | 15.29% | 16.55% | 9.87% | 2.29% |
| Q2 2024 | 15.22% | 15.22% | 16.48% | 10.22% | 2.79% |
| Q3 2024 | 16.50% | 16.50% | 17.75% | 10.94% | 2.72% |
| Q4 2024 | 14.16% | 14.16% | 15.42% | 9.45% | 2.62% |
| Q1 2025 | 15.48% | 15.48% | 16.73% | 10.11% | 2.47% |
| Q2 2025 | 15.48% | 15.48% | 16.74% | 10.83% | 2.66% |
| Q3 2025 | 16.71% | 16.71% | 17.96% | 11.26% | 2.31% |
| Q4 2025 | 13.37% | 13.37% | 14.62% | 9.56% | 2.42% |
| Q1 2026 | — | — | — | 9.99% | 2.09% |
| Q2 2026 | — | — | — | 10.09% | 2.16% |
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 8975) · FFIEC NIC profile (RSSD 938550)