Avilla, IN · Cert 14883 · Community Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Fort Wayne, IN · 2026 SOD (annual) · 0.4% share · #21 of 26 inst. · $0.0B of $11.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.02% | 0.98% | 1.16% | 0.96% | 0.97% | 0.77% | 1.27% | +11 bps | |
| Return on Equity | 12.80% | 11.98% | 11.55% | 13.02% | 10.74% | 11.25% | 8.75% | 14.03% | +101 bps | |
| Net Interest Margin | 3.44% | 3.36% | 3.38% | 3.54% | 3.75% | 3.49% | 3.54% | 3.54% | 0 bps | |
| Efficiency Ratio | 59.88% | 60.14% | 63.80% | 62.67% | 65.76% | 62.23% | 64.29% | 57.95% | -471 bps | |
| Non-Interest Burden | 1.95% | 1.90% | 2.07% | 2.03% | 2.34% | 2.03% | 2.16% | 1.92% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.73% | 8.31% | 10.41% | -1.60% | 4.52% | 8.68% | 1.56% | 10.89% | +1,249 bps | |
| Loan Growth (YoY) | 8.05% | 7.56% | 4.67% | 3.97% | 5.45% | -0.15% | 2.16% | 2.88% | -110 bps | |
| Deposit Growth (YoY) | 11.05% | 7.75% | 10.36% | 2.29% | 9.54% | 13.81% | 5.99% | 11.09% | +879 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.69% | 0.51% | 0.05% | 0.11% | 0.07% | 0.42% | 0.48% | +42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.20% | -0.06% | 0.00% | 0.00% | 0.01% | 0.00% | +6 bps | |
| Allowance / Loans | 1.16% | 1.14% | 1.10% | 1.13% | 1.15% | 1.26% | 1.26% | 1.26% | +13 bps | |
| Allowance Coverage of NPLs | 28.7x | 1.7x | 2.2x | 20.7x | 10.5x | 18.9x | 3.0x | 2.6x | -18.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 9.42% | 9.56% | 9.87% | 10.33% | 9.21% | 9.62% | 9.51% | -36 bps | |
| Total Risk-Based Capital | 13.79% | 13.29% | 13.41% | 13.99% | 14.06% | 14.72% | 14.50% | 14.59% | +59 bps | |
| Equity / Assets | 8.72% | 8.26% | 8.67% | 9.09% | 8.87% | 8.41% | 9.20% | 8.91% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.98% | 84.34% | 87.11% | 85.82% | 81.80% | 74.00% | 83.97% | 79.48% | -634 bps | |
| Liquid Assets / Assets | 17.80% | 18.18% | 15.72% | 12.60% | 16.22% | 23.64% | 8.26% | 12.44% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 335% | 352% | n/a | n/a | |