Community Neighbor Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Neighbor Bank is an FDIC-insured commercial bank headquartered in Camden, AL, established in 1906 (FDIC certificate 2787), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $193.2M, up 11.2% from Q2 2025, the 65th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.13% 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
- 2787
- Headquarters
- Camden, AL
- Established
- 1906
- Total assets, Q2 2026
- $193.2M
- Assets vs Q2 2025
- +11.2%
- Tier 1 leverage ratio, Q2 2026
- 11.13%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062102386
- Latest call report
- Q2 2026, FFIEC 051 · Community Neighbor Bank call report
- Holding company
- FIRST CAMDEN BANCSHARES, INC.
- Asset rank in state
- 65th of 93 in Alabama
Community Neighbor Bank, based in Camden, Alabama, reported $193 million in assets at June 30, 2026, up 11.2% from a year earlier. It holds commercial real estate loans equal to only 36% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 11.5% over the year, about triple the median of 4.0% for banks its size.
The commercial and industrial book ($19 million) is worsening: 7.86% of it is past due or on nonaccrual, up from 2.24% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 1.07% a year earlier.
As of June 30, 2026, Community Neighbor Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 5.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Neighbor Bank is the 65th largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $193.2M, loans rose 4.6% and deposits rose 0.3%. 1-4 family residential loans made up 34.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.5%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in AL; its Camden office books 49% of its branch deposits. Judged on its Q2 2026 call report, Community Neighbor Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3 Water St, Camden, AL 36726
- County
- Wilcox
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1906
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $171.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $194.2M
- Average total loans
- $100.2M
- Average interest-bearing deposits
- $125.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2787
- Fed RSSD
- 466932
- Website
- www.cnbal.net →
- Parent Holding Company
- FIRST CAMDEN BANCSHARES, INC. (RSSD 1836475)
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 Neighbor Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Neighbor Bank's total assets ranged from $156.4M (Q3 2023) to $193.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$193.2M total assets against $173.8M; $172.0M total liabilities against $154.3M.
$101.2M net loans and leases against $93.3M; $171.7M total deposits against $154.1M.
$43.2M securities against $37.2M; $39.3M cash and balances due against $33.3M.
$2.7M total interest income against $2.6M; $680K total interest expense against $632K.
$2.0M net interest income against $1.9M.
$318K total noninterest income against $260K; $1.4M total noninterest expense against $1.4M.
$75K provision for credit losses against $75K.
$657K net income against $582K.
1.35% return on assets against 1.36%; 4.53% net interest margin against 4.91%.
11.13% tier 1 leverage ratio against 11.62%.
Inside the full Community Neighbor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Neighbor Bank rankings
Its closest position to the top of a national ranking is 1,154 of 3,640, for Texas Ratio; its furthest is 3,008 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.41% (Q1 2026) and its net interest margin ran from 4.48% (Q3 2024) to 4.93% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.13% | 1.35% | 1.30% | 5.85% | 4.53% |
| Q1 2026 | 10.82% | 1.41% | 0.83% | 3.78% | 4.64% |
| Q4 2025 | 11.41% | 1.33% | 0.65% | 4.59% | 4.93% |
| Q3 2025 | 11.81% | 1.34% | 0.73% | 5.35% | 4.85% |
| Q2 2025 | 11.62% | 1.36% | 1.07% | 7.05% | 4.91% |
| Q1 2025 | 11.31% | 1.25% | 1.18% | 7.56% | 4.64% |
| Q4 2024 | 11.51% | 1.23% | 1.72% | 10.10% | 4.63% |
| Q3 2024 | 11.45% | 1.12% | 1.17% | 7.58% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Neighbor Bank (main office) | Camden , AL | 36726 | $83.7M |
| Butler Ccunty Bank Branch | Greenville , AL | 36037 | $42.4M |
| Grove Hill Branch | Grove Hill , AL | 36451 | $37.5M |
| Pine Hill Branch | Pine Hill , AL | 36769 | $8.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 9, 2010, OCC: Formal Agreement: The Camden National Bank
- Period: Most recent institution action September 9, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in AL, rank 88 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Neighbor Bank
What are Community Neighbor Bank's total assets?
As of the Q2 2026 filing, Community Neighbor Bank reported total assets of $193.2 million in its FFIEC call report.
Where is Community Neighbor Bank headquartered?
It is headquartered in Camden, AL, United States.
When was Community Neighbor Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Community Neighbor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Neighbor Bank?
Community Neighbor Bank's primary federal regulator is the FDIC.
How many branches does Community Neighbor Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Neighbor Bank's Texas Ratio?
Its Texas Ratio is 5.85% 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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