Chanute, KS · Cert 27046 · Community Bcorp Inc.
National charter · OCC · 44 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.9% share · #17 of 46 inst. · $0.2B of $23.2B
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 | 0.67% | 0.84% | 0.47% | 0.97% | 1.23% | 1.15% | 1.04% | 1.30% | +33 bps | |
| Return on Equity | 8.64% | 10.61% | 5.98% | 12.31% | 14.87% | 13.20% | 11.99% | 14.83% | +252 bps | |
| Net Interest Margin | 2.95% | 3.12% | 3.15% | 3.44% | 3.55% | 3.71% | 3.65% | 3.84% | +40 bps | |
| Efficiency Ratio | 74.56% | 70.03% | 71.70% | 67.68% | 63.30% | 62.69% | 65.90% | 61.03% | -665 bps | |
| Non-Interest Burden | 2.00% | 1.96% | 2.06% | 2.08% | 1.87% | 2.06% | 2.18% | 2.05% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 4.18% | 4.50% | 2.30% | 6.71% | 10.13% | 10.01% | 12.11% | +981 bps | |
| Loan Growth (YoY) | 10.76% | 9.48% | 8.09% | 5.76% | 9.72% | 9.65% | 10.95% | 11.08% | +532 bps | |
| Deposit Growth (YoY) | 6.91% | 4.39% | 4.28% | 4.37% | 8.11% | 11.22% | 11.26% | 10.83% | +647 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.89% | 0.89% | 0.92% | 0.87% | 0.77% | 0.86% | 0.80% | -12 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.62% | 0.00% | 0.03% | 0.10% | 0.06% | 0.04% | +3 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.16% | 1.18% | 1.19% | 1.19% | 1.19% | 1.20% | +3 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.3x | 1.3x | 1.3x | 1.4x | 1.5x | 1.4x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.60% | 8.70% | 8.68% | 8.45% | 8.90% | 8.85% | 8.87% | 8.97% | +52 bps | |
| Total Risk-Based Capital | 13.32% | 12.48% | 13.26% | 13.37% | 13.59% | 14.01% | 13.59% | 14.24% | +87 bps | |
| Equity / Assets | 8.01% | 7.81% | 7.85% | 7.89% | 8.68% | 8.69% | 8.62% | 8.88% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.96% | 77.71% | 76.52% | 76.64% | 77.09% | 76.61% | 76.30% | 76.81% | +17 bps | |
| Liquid Assets / Assets | 3.93% | 2.73% | 4.49% | 3.20% | 4.27% | 5.83% | 7.14% | 7.26% | +406 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 250% | 254% | n/a | n/a | |