Community Bank, Lexington, Tennessee
Lexington, TN · Cert 31272 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community National Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
$357.5MAssets
$301.1MLoans
$301.0MDeposits
$38.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 60% of banks under $1B in assets operating in a single state (rank 296 of 746).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets operating in a single state (rank 568 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.76%
Rank 542 of 746
Net Interest Margin
3.89%
Rank 296 of 746
Efficiency Ratio
73.42%
Rank 534 of 746
Equity / Assets
10.69%
Rank 349 of 746
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 29% 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 | 0.76% | 0.72% | 1.06% | 1.45% | Beats 27% | 542 / 746 | | |
| Return on Equity | 7.08% | 6.74% | 10.51% | 13.63% | Beats 28% | 540 / 746 | | |
| Net Interest Margin | 3.89% | 3.17% | 3.68% | 4.16% | Beats 60% | 296 / 746 | | |
| Efficiency Ratio | 73.42% | 55.74% | 64.58% | 75.47% | Beats 29% | 534 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.42% | 1.07% | Beats 37% | 469 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 568 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.18% | 11.55% | 13.75% | 17.60% | Beats 44% | 418 / 746 | | |
| Total Risk-Based Capital Ratio | 14.19% | 11.71% | 14.33% | 18.43% | Beats 49% | 383 / 746 | | |
| Equity / Assets | 10.69% | 8.90% | 10.51% | 13.06% | Beats 53% | 349 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.03% | 61.31% | 78.27% | 90.78% | 90th pctl | 77 / 746 | | |
| Loans / Assets | 84.23% | 53.60% | 66.97% | 76.08% | 94th pctl | 47 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |