Indianola, IA · Cert 25267 · Community Bancshares Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
39
Profitability
30
Liquidity
87
Efficiency
53
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.
Indianola, IA · Cert 25267 · Community Bancshares Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.7% share · #21 of 57 inst. · $0.3B of $38.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.74% | 0.94% | 1.33% | 1.32% | 1.27% | 1.20% | 1.09% | -25 bps | |
| Return on Equity | 7.06% | 8.09% | 10.32% | 14.68% | 14.25% | 13.65% | 12.84% | 11.61% | -307 bps | |
| Net Interest Margin | 2.84% | 2.83% | 3.04% | 3.13% | 3.23% | 3.18% | 3.39% | 3.35% | +22 bps | |
| Efficiency Ratio | 70.85% | 68.70% | 61.68% | 53.59% | 52.94% | 55.37% | 57.16% | 57.31% | +372 bps | |
| Non-Interest Burden | 1.94% | 1.87% | 1.79% | 1.42% | 1.49% | 1.58% | 1.83% | 1.81% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.24% | -0.79% | 5.30% | 14.50% | 8.51% | 11.36% | 7.13% | 3.80% | -1,070 bps | |
| Loan Growth (YoY) | -0.36% | 3.46% | 2.61% | 7.08% | 10.99% | 4.91% | 3.57% | 0.78% | -630 bps | |
| Deposit Growth (YoY) | -0.87% | 0.59% | 4.57% | 9.20% | 4.19% | 4.75% | 4.17% | 6.45% | -274 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.59% | 1.36% | 1.93% | 1.61% | 1.41% | 1.43% | 1.33% | -59 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.01% | 1.05% | 1.07% | 1.08% | 1.15% | 1.20% | 1.25% | +18 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.7x | 0.8x | 0.6x | 0.7x | 0.8x | 0.8x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 9.58% | 9.32% | 9.32% | 9.54% | 9.10% | 9.32% | 9.23% | -9 bps | |
| Total Risk-Based Capital | 9.98% | 9.58% | 9.32% | 9.32% | 9.54% | 9.10% | 9.32% | 9.23% | -9 bps | |
| Equity / Assets | 9.75% | 9.24% | 8.97% | 9.06% | 9.93% | 9.34% | 9.37% | 9.39% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.98% | 82.20% | 80.54% | 83.38% | 87.34% | 82.33% | 80.07% | 78.93% | -444 bps | |
| Liquid Assets / Assets | 3.00% | 0.86% | 5.68% | 0.15% | 1.29% | 5.70% | 5.65% | 5.05% | +490 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 299% | 292% | 283% | n/a | n/a | |
Indianola, IA · Cert 25267 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Community Bancshares Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.07%
Rank 13 of 19
Net Interest Margin
3.35%
Rank 14 of 19
Efficiency Ratio
57.82%
Rank 10 of 19
Equity / Assets
9.39%
Rank 13 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 1.05% | 1.15% | 1.42% | Beats 32% | 13 / 19 | ||
| Return on Equity | 11.45% | 10.97% | 12.15% | 13.79% | Beats 32% | 13 / 19 | ||
| Net Interest Margin | 3.35% | 3.08% | 3.50% | 3.67% | Beats 26% | 14 / 19 | ||
| Efficiency Ratio | 57.82% | 52.38% | 57.82% | 63.73% | Beats 53% | 10 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | n/a | 0.21% | 0.91% | Beats 11% | 17 / 18 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | Beats 67% | 7 / 18 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.23% | 10.79% | 12.38% | 16.13% | Beats 0% | 19 / 19 | ||
| Total Risk-Based Capital Ratio | 9.23% | 11.60% | 13.40% | 17.04% | Beats 0% | 19 / 19 | ||
| Equity / Assets | 9.39% | 8.64% | 9.66% | 11.07% | Beats 32% | 13 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.93% | 65.91% | 76.09% | 88.00% | 53rd pctl | 9 / 19 | ||
| Loans / Assets | 58.43% | 57.37% | 63.36% | 76.16% | 32nd pctl | 13 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||