Topeka, KS · Cert 34020 · Community Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
82
Profitability
90
Liquidity
62
Efficiency
94
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Topeka, KS · Cert 34020 · Community Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 2.3% share · #10 of 30 inst. · $0.2B of $7.1B
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 | 2.27% | 2.21% | 2.17% | 2.24% | 2.25% | 2.26% | 2.27% | 2.14% | -10 bps | |
| Return on Equity | 20.23% | 19.71% | 19.48% | 19.93% | 20.37% | 20.42% | 20.47% | 19.33% | -60 bps | |
| Net Interest Margin | 4.16% | 4.05% | 4.23% | 4.35% | 4.33% | 4.37% | 4.60% | 4.53% | +18 bps | |
| Efficiency Ratio | 39.57% | 40.77% | 41.47% | 40.14% | 39.45% | 40.65% | 40.98% | 41.69% | +155 bps | |
| Non-Interest Burden | 1.28% | 1.33% | 1.50% | 1.40% | 1.37% | 1.46% | 1.60% | 1.58% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.81% | 7.86% | 11.39% | 9.78% | 16.03% | 6.94% | 2.26% | 5.11% | -467 bps | |
| Loan Growth (YoY) | 7.42% | 4.27% | 3.13% | 7.34% | 8.71% | 4.52% | 7.28% | 6.51% | -83 bps | |
| Deposit Growth (YoY) | 2.16% | 8.94% | 13.75% | 11.08% | 19.14% | 7.44% | 3.07% | 6.51% | -457 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.00% | 0.00% | 0.00% | 0.06% | 0.26% | 0.23% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.09% | 1.07% | 1.09% | 1.09% | 1.08% | 1.08% | +1 bps | |
| Allowance Coverage of NPLs | 3.1x | 237.0x | 473.0x | 1459.0x | 19.8x | 4.3x | 4.6x | 5.0x | -1454.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 11.00% | 11.05% | 11.64% | 10.91% | 11.41% | 10.92% | 11.49% | -15 bps | |
| Total Risk-Based Capital | 10.99% | 11.00% | 11.05% | 11.64% | 10.91% | 11.41% | 10.92% | 11.49% | -15 bps | |
| Equity / Assets | 11.43% | 11.23% | 11.06% | 11.48% | 10.42% | 11.22% | 10.98% | 11.04% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.83% | 84.65% | 86.19% | 89.42% | 82.88% | 82.35% | 89.71% | 89.43% | 0 bps | |
| Liquid Assets / Assets | 11.12% | 14.57% | 15.09% | 11.87% | 16.86% | 16.18% | 10.19% | 8.85% | -303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 277% | 317% | n/a | n/a | |
Topeka, KS · Cert 34020 · Peer group: banks under $1B in assets (n=581-629) · Community Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
2.11%
Rank 69 of 629
Net Interest Margin
4.53%
Rank 63 of 629
Efficiency Ratio
43.19%
Rank 37 of 629
Equity / Assets
11.04%
Rank 286 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.11% | 0.60% | 1.01% | 1.45% | Beats 89% | 69 / 629 | ||
| Return on Equity | 19.12% | 5.38% | 9.30% | 13.28% | Beats 92% | 50 / 629 | ||
| Net Interest Margin | 4.53% | 3.03% | 3.54% | 4.05% | Beats 90% | 63 / 629 | ||
| Efficiency Ratio | 43.19% | 58.35% | 67.79% | 79.08% | Beats 94% | 37 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 64% | 208 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.49% | 11.24% | 13.84% | 18.77% | Beats 28% | 454 / 629 | ||
| Total Risk-Based Capital Ratio | 11.49% | 11.58% | 14.43% | 19.66% | Beats 24% | 478 / 629 | ||
| Equity / Assets | 11.04% | 9.09% | 10.65% | 13.80% | Beats 55% | 286 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.43% | 67.24% | 80.90% | 93.48% | 68th pctl | 193 / 594 | ||
| Loans / Assets | 77.17% | 53.31% | 67.71% | 78.15% | 72nd pctl | 173 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||