PackageTrendsPeer
Letter portraitLegal landscape

Community Bank

Avon, SD · Cert 1687

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank

Avon, SD · Cert 1687

State charter, non-member · FDIC · 1 branch

Q2 2026

$69.3MAssets
$42.5MLoans
$60.2MDeposits
$8.0MEquity
Loan mix
43%RE $9.8M41%C&I $9.4M16%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $46.4M23%Noninterest $13.8MQ2 2025Q2 2026

NIM

4.39%Q2 ’245.20%Q2 ’255.29%Q2 ’26+38%+6%

Non-interest income vs. expense

2.07%Q2 ’242.64%Q2 ’252.44%Q2 ’26+32%-7%

Executive Summary

  • Earnings: ROA of 0.93%, up 34 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.60% of loans (+32 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 12.20%, down 96 bps from a year ago.
  • Funding: loans stand at 70.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+21 bps YoY

Efficiency Ratio (YTD, annualized)

65.49%-867 bps YoY

Tier 1 Leverage Ratio

12.20%-96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.54%0.40%0.93%0.93%+34 bps
Return on Equity5.30%4.80%3.57%8.31%8.23%+293 bps
Net Interest Margin3.29%3.26%3.17%3.39%3.50%+21 bps
Efficiency Ratio74.15%76.93%80.20%69.31%65.49%-867 bps
Non-Interest Burden2.37%2.46%2.50%2.27%2.22%-16 bps
Growth
Asset Growth (YoY)-7.18%0.99%2.90%12.12%9.21%+1,639 bps
Loan Growth (YoY)14.78%17.72%16.64%15.42%11.08%-369 bps
Deposit Growth (YoY)-1.51%2.31%4.02%11.80%9.82%+1,133 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.74%0.14%0.79%0.60%+32 bps
Net Charge-Offs / Loans0.22%0.14%0.19%-0.03%0.22%0 bps
Allowance / Loans1.20%1.17%1.23%1.23%1.23%+3 bps
Allowance Coverage of NPLs4.2x1.6x8.5x1.6x2.0x-2.1x
Capital
Tier 1 Leverage Ratio13.16%12.88%12.21%12.02%12.20%-96 bps
Total Risk-Based Capital13.16%12.88%12.21%12.02%12.20%-96 bps
Equity / Assets11.64%11.43%11.24%11.13%11.51%-13 bps
Liquidity & Funding
Loans / Deposits69.84%72.24%72.60%68.71%70.65%+81 bps
Liquid Assets / Assets0.88%2.50%2.73%4.63%3.17%+228 bps
CRE / Total Capitaln/a1.57%1.92%1.86%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank

Avon, SD · Cert 1687 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$69.3MAssets
$42.5MLoans
$60.2MDeposits
$8.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 63% of banks under $1B in assets operating in a single state (rank 277 of 746).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets operating in a single state (rank 653 of 743).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.93%

Rank 443 of 746

Net Interest Margin

3.50%

Rank 451 of 746

Efficiency Ratio

65.49%

Rank 392 of 746

Equity / Assets

11.51%

Rank 277 of 746

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state
Bank 65.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.72%1.06%1.45%Beats 41%443 / 746
Return on Equity8.10%6.74%10.51%13.63%Beats 34%490 / 746
Net Interest Margin3.50%3.17%3.68%4.16%Beats 40%451 / 746
Efficiency Ratio65.49%55.74%64.58%75.47%Beats 48%392 / 746
Asset Quality
Nonperforming Loans / Loans0.60%0.09%0.42%1.07%Beats 42%429 / 743
Net Charge-Offs / Loans0.12%0.00%0.01%0.05%Beats 12%653 / 743
Capital
Tier 1 Capital Ratio12.20%11.55%13.75%17.60%Beats 34%496 / 746
Total Risk-Based Capital Ratio12.20%11.71%14.33%18.43%Beats 30%523 / 746
Equity / Assets11.51%8.90%10.51%13.06%Beats 63%277 / 746
Liquidity & Funding
Loans / Deposits70.65%61.31%78.27%90.78%36th pctl475 / 746
Loans / Assets61.41%53.60%66.97%76.08%38th pctl465 / 746
Brokered Deposits / Depositsn/aNot reported for this institution