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 (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% | 0.69% | 0.47% | 0.72% | 0.89% | 0.96% | 1.04% | 1.17% | +45 bps | |
| Return on Equity | 8.52% | 9.13% | 5.98% | 9.19% | 11.05% | 11.68% | 11.99% | 13.39% | +420 bps | |
| Net Interest Margin | 2.84% | 2.90% | 3.15% | 3.29% | 3.28% | 3.34% | 3.65% | 3.71% | +42 bps | |
| Efficiency Ratio | 75.24% | 73.86% | 71.70% | 69.60% | 67.25% | 66.02% | 65.90% | 63.37% | -623 bps | |
| Non-Interest Burden | 1.96% | 1.95% | 2.06% | 2.07% | 1.94% | 1.94% | 2.18% | 2.09% | +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 | 0.04% | 0.03% | 0.62% | 0.31% | 0.21% | 0.18% | 0.06% | 0.05% | -26 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 | |