Community Bank
Joseph, OR · Cert 17445 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 10 branches
Q1 2025
$529.2MAssets
$135.0MLoans
$496.3MDeposits
$29.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets (rank 87 of 598).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 574 of 598).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.75%
Rank 344 of 599
Net Interest Margin
2.79%
Rank 455 of 598
Efficiency Ratio
72.05%
Rank 320 of 598
Equity / Assets
5.58%
Rank 574 of 598
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 47% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.47% | 0.86% | 1.38% | Beats 43% | 344 / 599 | n/a | |
| Return on Equity | 13.44% | 4.56% | 8.90% | 12.65% | Beats 78% | 134 / 598 | n/a | |
| Net Interest Margin | 2.79% | 2.82% | 3.31% | 3.84% | Beats 24% | 455 / 598 | n/a | |
| Efficiency Ratio | 72.05% | 60.53% | 70.73% | 82.91% | Beats 47% | 320 / 598 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.06% | 0.34% | 0.91% | Beats 30% | 384 / 547 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 43% | 315 / 547 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 25.74% | 11.11% | 13.78% | 18.22% | Beats 85% | 87 / 598 | n/a | |
| Total Risk-Based Capital Ratio | 26.58% | 11.62% | 14.42% | 19.14% | Beats 85% | 88 / 598 | n/a | |
| Equity / Assets | 5.58% | 8.34% | 10.07% | 12.96% | Beats 4% | 574 / 598 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 27.20% | 60.71% | 77.02% | 90.89% | 4th pctl | 537 / 561 | n/a | |
| Loans / Assets | 25.51% | 54.47% | 67.19% | 77.36% | 3rd pctl | 533 / 547 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |