Community Bank
Longview, TX · Cert 25752 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$315.5MAssets
$249.0MLoans
$277.8MDeposits
$37.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in TX (rank 158 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.25%
Rank 10 of 211
Net Interest Margin
4.31%
Rank 52 of 211
Efficiency Ratio
39.38%
Rank 15 of 211
Equity / Assets
11.83%
Rank 87 of 211
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 93% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.25% | 0.87% | 1.20% | 1.65% | Beats 95% | 10 / 211 | | |
| Return on Equity | 18.99% | 7.52% | 11.67% | 14.58% | Beats 93% | 15 / 211 | | |
| Net Interest Margin | 4.31% | 3.28% | 3.82% | 4.31% | Beats 75% | 52 / 211 | | |
| Efficiency Ratio | 39.38% | 53.01% | 64.18% | 73.65% | Beats 93% | 15 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 70% | 65 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.95% | 11.72% | 14.45% | 19.57% | Beats 26% | 157 / 211 | | |
| Total Risk-Based Capital Ratio | 11.95% | 11.94% | 14.78% | 20.30% | Beats 25% | 158 / 211 | | |
| Equity / Assets | 11.83% | 9.41% | 11.06% | 12.94% | Beats 59% | 87 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.63% | 45.39% | 66.56% | 82.03% | 89th pctl | 23 / 208 | | |
| Loans / Assets | 78.92% | 39.13% | 56.90% | 70.46% | 92nd pctl | 17 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |