Community Neighbor Bank
Camden, AL · Cert 2787 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Camden Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$193.2MAssets
$102.7MLoans
$171.7MDeposits
$21.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks under $1B in assets operating in a single state (rank 165 of 746).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 660 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 213 of 746
Net Interest Margin
4.23%
Rank 165 of 746
Efficiency Ratio
60.24%
Rank 286 of 746
Equity / Assets
10.98%
Rank 322 of 746
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 62% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.72% | 1.06% | 1.45% | Beats 71% | 213 / 746 | | |
| Return on Equity | 12.62% | 6.74% | 10.51% | 13.63% | Beats 68% | 240 / 746 | | |
| Net Interest Margin | 4.23% | 3.17% | 3.68% | 4.16% | Beats 78% | 165 / 746 | | |
| Efficiency Ratio | 60.24% | 55.74% | 64.58% | 75.47% | Beats 62% | 286 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.42% | 1.07% | Beats 20% | 594 / 743 | | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.05% | Beats 11% | 660 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.13% | 11.55% | 13.75% | 17.60% | Beats 21% | 593 / 746 | | |
| Total Risk-Based Capital Ratio | 11.13% | 11.71% | 14.33% | 18.43% | Beats 19% | 604 / 746 | | |
| Equity / Assets | 10.98% | 8.90% | 10.51% | 13.06% | Beats 57% | 322 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.81% | 61.31% | 78.27% | 90.78% | 22nd pctl | 581 / 746 | | |
| Loans / Assets | 53.17% | 53.60% | 66.97% | 76.08% | 24th pctl | 568 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |