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 | |