PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Bank

Joseph, OR · Cert 17445

FDIC · 10 branches

Q1 2025

$529.2MAssets
$135.0MLoans
$496.3MDeposits
$29.5MEquity
Loan mix
89%RE $89.2M11%C&I $11.0M1%Consumer $0.5MQ2 2023Q1 2025
Deposit mix
80%Interest-bearing $397.9M20%Noninterest $98.4MQ2 2023Q1 2025

Market Position · Walla Walla, WA · 2024 SOD (annual) · 3.6% share · #7 of 7 inst. · $0.1B of $1.6B

53.8% Wallowa
20.1% Union
8.6% Umatilla
3.6% Walla Walla

Executive Summary

  • Earnings: ROA of 0.73%, up 20 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.78% of loans (-14 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.55%, up 77 bps from a year ago.
  • Funding: loans stand at 27.20% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.73%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+37 bps YoY

Efficiency Ratio (YTD, annualized)

72.05%-549 bps YoY

Tier 1 Leverage Ratio

9.55%+77 bps YoY

NIM

3.39%Q1 ’233.80%Q1 ’243.87%Q1 ’25-23%+15%

Non-interest income vs. expense

2.16%Q1 ’232.20%Q1 ’242.30%Q1 ’250%+6%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.02%0.93%0.90%0.53%0.57%0.59%0.71%0.73%+20 bps
Return on Equity40.88%39.73%34.17%14.29%14.80%13.84%16.38%14.54%+24 bps
Net Interest Margin3.02%2.94%2.85%2.42%2.50%2.52%2.54%2.79%+37 bps
Efficiency Ratio64.38%66.60%67.35%77.54%76.27%75.67%72.94%72.05%-549 bps
Non-Interest Burden1.81%1.83%1.79%1.78%1.80%1.80%1.74%1.90%+12 bps
Growth
Asset Growth (YoY)-0.86%-5.49%-1.51%0.78%0.05%6.42%-2.03%-4.01%-479 bps
Loan Growth (YoY)-6.74%-1.35%-0.23%1.70%-2.88%-4.57%-3.50%-4.22%-593 bps
Deposit Growth (YoY)-5.91%-8.63%-5.65%-1.70%0.25%3.23%1.05%-2.31%-61 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.98%0.98%0.93%0.91%0.86%0.82%0.78%-14 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans1.36%1.34%1.37%1.37%1.40%1.39%1.27%1.27%-10 bps
Allowance Coverage of NPLs1.3x1.4x1.4x1.5x1.5x1.6x1.6x1.6x+0.1x
Capital
Tier 1 Leverage Ratio8.74%8.81%8.78%8.78%9.10%9.08%9.09%9.55%+77 bps
Total Risk-Based Capital24.26%24.30%25.03%25.15%25.84%25.62%26.18%26.58%+143 bps
Equity / Assets2.79%1.92%3.73%3.69%4.05%5.48%4.55%5.58%+188 bps
Liquidity & Funding
Loans / Deposits27.95%27.96%27.14%27.74%27.08%25.84%25.92%27.20%-54 bps
Liquid Assets / Assets2.33%2.49%1.91%0.81%2.65%5.74%1.65%0.23%-58 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a