Seneca, KS · Cert 25665 · Community Bancshares Inc.
National charter · OCC · 6 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 KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
24
Profitability
54
Liquidity
19
Efficiency
42
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.
Seneca, KS · Cert 25665 · Community Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #58 of 114 inst. · $0.2B of $99.1B
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 | 1.03% | 1.10% | 1.24% | 1.33% | 1.35% | 1.34% | 1.19% | 1.35% | +2 bps | |
| Return on Equity | 20.57% | 21.92% | 24.08% | 24.78% | 24.03% | 23.28% | 19.04% | 20.85% | -393 bps | |
| Net Interest Margin | 2.35% | 2.42% | 2.75% | 2.76% | 2.90% | 2.91% | 2.89% | 3.03% | +27 bps | |
| Efficiency Ratio | 61.11% | 59.72% | 54.24% | 55.28% | 56.56% | 56.90% | 61.26% | 59.76% | +448 bps | |
| Non-Interest Burden | 1.03% | 0.99% | 0.73% | 0.83% | 1.00% | 1.04% | 1.30% | 1.25% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.85% | 1.58% | 0.37% | -1.57% | -0.88% | 3.41% | 5.64% | -0.11% | +146 bps | |
| Loan Growth (YoY) | 9.32% | 6.66% | 8.26% | 4.63% | 3.33% | 2.39% | -3.28% | -5.85% | -1,049 bps | |
| Deposit Growth (YoY) | 8.40% | 9.57% | 5.02% | 0.39% | 0.91% | 1.27% | 3.02% | -1.13% | -151 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.62% | 1.53% | 1.52% | 1.17% | 1.15% | 1.23% | 1.47% | -5 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.00% | 0.11% | 0.08% | 0.08% | -0.01% | 0.01% | -10 bps | |
| Allowance / Loans | 1.19% | 1.21% | 1.20% | 1.16% | 1.16% | 1.18% | 1.23% | 1.27% | +11 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 1.0x | 1.0x | 1.0x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.77% | 9.04% | 9.46% | 9.61% | 9.64% | 9.38% | 9.37% | 9.66% | +6 bps | |
| Total Risk-Based Capital | 15.24% | 15.69% | 17.15% | 16.53% | 17.57% | 15.01% | 14.99% | 16.24% | -29 bps | |
| Equity / Assets | 5.95% | 4.93% | 5.41% | 5.76% | 6.41% | 6.36% | 6.15% | 6.87% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.25% | 51.10% | 52.38% | 52.20% | 53.50% | 51.67% | 49.18% | 49.70% | -250 bps | |
| Liquid Assets / Assets | 2.86% | 4.47% | 6.37% | 7.47% | 7.32% | 9.18% | 12.67% | 5.56% | -191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 231% | 226% | n/a | n/a | |
Seneca, KS · Cert 25665 · Peer group: banks under $1B in assets in KS (n=98) · Community Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
1.39%
Rank 39 of 98
Net Interest Margin
3.03%
Rank 87 of 98
Efficiency Ratio
60.12%
Rank 58 of 98
Equity / Assets
6.87%
Rank 91 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 1.03% | 1.24% | 1.54% | Beats 60% | 39 / 98 | ||
| Return on Equity | 20.26% | 8.85% | 11.58% | 14.73% | Beats 92% | 8 / 98 | ||
| Net Interest Margin | 3.03% | 3.24% | 3.62% | 3.91% | Beats 11% | 87 / 98 | ||
| Efficiency Ratio | 60.12% | 51.87% | 58.88% | 64.74% | Beats 42% | 58 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.01% | 0.33% | 1.05% | Beats 20% | 79 / 98 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 28% | 72 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.29% | 11.81% | 13.71% | 17.33% | Beats 64% | 35 / 98 | ||
| Total Risk-Based Capital Ratio | 16.24% | 11.81% | 14.13% | 17.45% | Beats 64% | 35 / 98 | ||
| Equity / Assets | 6.87% | 8.60% | 11.34% | 13.10% | Beats 7% | 91 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.70% | 57.09% | 69.84% | 82.47% | 14th pctl | 84 / 98 | ||
| Loans / Assets | 45.01% | 49.34% | 58.31% | 68.94% | 15th pctl | 83 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||