PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Neighbor Bank

Camden, AL · Cert 2787 · First Camden Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$193.2MAssets
$102.7MLoans
$171.7MDeposits
$21.2MEquity
Loan mix
72%RE $69.6M18%C&I $17.4M10%Consumer $9.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $122.0M29%Noninterest $49.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.39%, up 8 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.30% of loans (+22 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 11.13%, down 49 bps from a year ago.
  • Funding: loans stand at 59.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.23%-16 bps YoY

Efficiency Ratio (YTD, annualized)

60.24%-221 bps YoY

Tier 1 Leverage Ratio

11.13%-49 bps YoY

NIM

5.59%Q2 ’245.89%Q2 ’255.63%Q2 ’26+10%-4%

Non-interest income vs. expense

3.08%Q2 ’243.11%Q2 ’252.91%Q2 ’26+1%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.11%1.27%1.31%1.33%1.31%1.42%1.39%+8 bps
Return on Equity9.97%10.28%11.56%11.87%11.82%11.83%13.40%12.98%+111 bps
Net Interest Margin4.01%4.12%4.26%4.39%4.38%4.32%4.28%4.23%-16 bps
Efficiency Ratio66.90%65.93%62.91%62.45%62.32%62.05%59.67%60.24%-221 bps
Non-Interest Burden2.48%2.52%2.48%2.53%2.52%2.49%2.34%2.31%-21 bps
Growth
Asset Growth (YoY)4.68%6.47%7.38%2.34%4.30%13.85%13.45%11.16%+882 bps
Loan Growth (YoY)3.19%0.77%2.52%4.63%10.30%9.69%8.58%8.45%+382 bps
Deposit Growth (YoY)16.42%19.57%15.79%1.36%3.88%14.20%13.80%11.47%+1,011 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.72%1.18%1.07%0.73%0.65%0.83%1.30%+22 bps
Net Charge-Offs / Loans0.17%0.27%0.15%0.07%0.08%0.11%0.26%0.20%+14 bps
Allowance / Loans1.56%1.48%1.50%1.51%1.53%1.55%1.55%1.51%0 bps
Allowance Coverage of NPLs1.3x0.9x1.3x1.4x2.1x2.4x1.9x1.2x-0.2x
Capital
Tier 1 Leverage Ratio11.45%11.51%11.31%11.62%11.81%11.41%10.82%11.13%-49 bps
Total Risk-Based Capital11.45%11.51%11.31%11.62%11.81%11.41%10.82%11.13%-49 bps
Equity / Assets11.34%10.82%11.08%11.20%11.82%10.53%10.72%10.98%-23 bps
Liquidity & Funding
Loans / Deposits60.71%59.61%60.12%61.48%64.46%57.25%57.35%59.81%-167 bps
Liquid Assets / Assets10.38%12.63%18.11%17.14%9.33%21.03%17.56%17.33%+19 bps
CRE / Total Capitaln/an/an/an/a113.29%112.68%111.62%n/an/a