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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.40% | 2.08% | 2.17% | 2.32% | 2.29% | 2.26% | 2.27% | 2.04% | -28 bps | |
| Return on Equity | 20.99% | 18.36% | 19.48% | 20.57% | 20.93% | 20.86% | 20.47% | 18.52% | -205 bps | |
| Net Interest Margin | 4.27% | 4.27% | 4.23% | 4.46% | 4.59% | 4.60% | 4.60% | 4.43% | -4 bps | |
| Efficiency Ratio | 38.84% | 44.24% | 41.47% | 38.94% | 38.17% | 44.05% | 40.98% | 42.42% | +348 bps | |
| Non-Interest Burden | 1.24% | 1.65% | 1.50% | 1.30% | 1.41% | 1.74% | 1.60% | 1.56% | +26 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% | 0.01% | 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 | |