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
Unfavorable gap of $1.6M · efficiency ratio beats 48% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.72% | 1.06% | 1.45% | Beats 41% | 443 / 746 | |
| Return on Equity | 8.10% | 6.74% | 10.51% | 13.63% | Beats 34% | 490 / 746 | |
| Net Interest Margin | 3.50% | 3.17% | 3.68% | 4.16% | Beats 40% | 451 / 746 | |
| Efficiency Ratio | 65.49% | 55.74% | 64.58% | 75.47% | Beats 48% | 392 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.09% | 0.42% | 1.07% | Beats 42% | 429 / 743 | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 12% | 653 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 11.55% | 13.75% | 17.60% | Beats 34% | 496 / 746 | |
| Total Risk-Based Capital Ratio | 12.20% | 11.71% | 14.33% | 18.43% | Beats 30% | 523 / 746 | |
| Equity / Assets | 11.51% | 8.90% | 10.51% | 13.06% | Beats 63% | 277 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 70.65% | 61.31% | 78.27% | 90.78% | 36th pctl | 475 / 746 | |
| Loans / Assets | 61.41% | 53.60% | 66.97% | 76.08% | 38th pctl | 465 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |