Community Bank, The
Liberal, KS · Cert 34666 · Peer group: banks under $1B in assets in KS (n=98) · Light Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$173.5MAssets
$90.1MLoans
$152.2MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of banks under $1B in assets in KS (rank 13 of 98).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in KS (rank 74 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.15%
Rank 58 of 98
Net Interest Margin
3.55%
Rank 55 of 98
Efficiency Ratio
64.50%
Rank 72 of 98
Equity / Assets
11.44%
Rank 48 of 98
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 28% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 1.03% | 1.24% | 1.54% | Beats 41% | 58 / 98 | | |
| Return on Equity | 10.07% | 8.85% | 11.58% | 14.73% | Beats 39% | 60 / 98 | | |
| Net Interest Margin | 3.55% | 3.24% | 3.62% | 3.91% | Beats 44% | 55 / 98 | | |
| Efficiency Ratio | 64.50% | 51.87% | 58.88% | 64.74% | Beats 28% | 72 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.01% | 0.33% | 1.05% | Beats 72% | 28 / 98 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.03% | Beats 26% | 74 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 20.63% | 11.81% | 13.71% | 17.33% | Beats 87% | 13 / 98 | | |
| Total Risk-Based Capital Ratio | 21.88% | 11.81% | 14.13% | 17.45% | Beats 87% | 13 / 98 | | |
| Equity / Assets | 11.44% | 8.60% | 11.34% | 13.10% | Beats 51% | 48 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.15% | 57.09% | 69.84% | 82.47% | 31st pctl | 68 / 98 | | |
| Loans / Assets | 51.89% | 49.34% | 58.31% | 68.94% | 34th pctl | 65 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |