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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.28% | 1.24% | 1.42% | 1.40% | 1.33% | 1.19% | 1.49% | +7 bps | |
| Return on Equity | 21.17% | 23.49% | 24.08% | 25.38% | 22.98% | 20.78% | 19.04% | 22.90% | -249 bps | |
| Net Interest Margin | 2.47% | 2.52% | 2.75% | 2.77% | 3.21% | 3.00% | 2.89% | 3.15% | +38 bps | |
| Efficiency Ratio | 60.98% | 55.93% | 54.24% | 56.37% | 58.97% | 57.93% | 61.26% | 58.45% | +208 bps | |
| Non-Interest Burden | 1.08% | 0.84% | 0.73% | 0.93% | 1.34% | 1.18% | 1.30% | 1.19% | +26 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 | 0.00% | 0.02% | 0.00% | 0.22% | 0.02% | 0.10% | -0.01% | 0.02% | -20 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 | |