Community Neighbor 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 49.51 percentage points in Q2 2026, from 155.94% to 106.43%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Community Neighbor Bank is 30th of 93 on return on assets, 1.35% as of Q2 2026, above the middle of the field. Community Neighbor Bank reported 1.35% on return on assets for Q2 2026, 0.10 points above the 1.25% median for banks in the $100M-1B 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 | 11.13% |
| Equity capital to assets | 10.98% |
| Tangible equity to tangible assets | 10.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.42% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 6.58% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 106.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 12.57% |
| Net interest margin | 4.53% |
| Efficiency ratio | 60.69% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.81% |
| Core deposits to total deposits | 92.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.89% |
| Securities to assets | 22.34% |
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 | 11.47% | 1.00% | 4.29% | 0.98% | 0.11% |
| Q4 2023 | 11.37% | 1.12% | 4.44% | 0.86% | 0.24% |
| Q1 2024 | 11.49% | 1.06% | 4.41% | 0.85% | 0.13% |
| Q2 2024 | 11.35% | 1.04% | 4.39% | 1.42% | 0.12% |
| Q3 2024 | 11.45% | 1.12% | 4.48% | 1.42% | 0.24% |
| Q4 2024 | 11.51% | 1.23% | 4.63% | 1.94% | 0.57% |
| Q1 2025 | 11.31% | 1.25% | 4.64% | 1.24% | 0.15% |
| Q2 2025 | 11.62% | 1.36% | 4.91% | 1.24% | -0.01% |
| Q3 2025 | 11.81% | 1.34% | 4.85% | 0.90% | 0.10% |
| Q4 2025 | 11.41% | 1.33% | 4.93% | 0.82% | 0.20% |
| Q1 2026 | 10.82% | 1.41% | 4.64% | 0.99% | 0.26% |
| Q2 2026 | 11.13% | 1.35% | 4.53% | 1.42% | 0.16% |
Community Neighbor Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Neighbor 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 Neighbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2787) · FFIEC NIC profile (RSSD 466932)