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Community Bank, The

Liberal, KS · Cert 34666 · Light Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$173.5MAssets
$90.1MLoans
$152.2MDeposits
$19.8MEquity
Loan mix
61%RE $51.8M14%C&I $11.4M25%Consumer $21.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $112.3M26%Noninterest $39.9MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.99%Q2 ’254.82%Q2 ’26+9%-2%

Non-interest income vs. expense

2.62%Q2 ’242.69%Q2 ’252.67%Q2 ’26+9%-1%

Executive Summary

  • Earnings: ROA of 1.14%, unchanged from a year ago; NIM at 3.55%.
  • Asset quality: problem loans at 0.04% of loans (-34 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.83%, down 1 bps from a year ago.
  • Funding: loans stand at 59.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%0 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-6 bps YoY

Efficiency Ratio (YTD, annualized)

64.50%+31 bps YoY

Tier 1 Leverage Ratio

12.83%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.15%1.15%1.08%1.14%0 bps
Return on Equity11.33%11.14%10.98%9.77%10.23%-110 bps
Net Interest Margin3.61%3.57%3.55%3.50%3.55%-6 bps
Efficiency Ratio64.19%64.33%64.36%65.37%64.50%+31 bps
Non-Interest Burden2.11%2.09%2.08%2.10%2.08%-3 bps
Growth
Asset Growth (YoY)0.14%5.76%4.15%7.99%4.21%+407 bps
Loan Growth (YoY)2.92%3.26%3.49%-3.33%-3.22%-614 bps
Deposit Growth (YoY)-0.55%4.91%2.03%7.07%3.28%+382 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.11%0.16%0.09%0.04%-34 bps
Net Charge-Offs / Loans0.03%0.14%0.10%0.09%-0.01%-5 bps
Allowance / Loans1.60%1.52%1.47%1.53%1.53%-7 bps
Allowance Coverage of NPLs4.2x13.6x9.2x16.4x36.2x+32.0x
Capital
Tier 1 Leverage Ratio12.84%12.80%12.91%12.57%12.83%-1 bps
Total Risk-Based Capital19.94%21.11%21.14%22.36%21.88%+194 bps
Equity / Assets10.62%10.87%11.24%10.81%11.44%+82 bps
Liquidity & Funding
Loans / Deposits63.12%59.79%60.85%56.20%59.15%-397 bps
Liquid Assets / Assets3.48%5.35%3.73%9.87%4.64%+116 bps
CRE / Total Capitaln/a222%216%192.37%n/an/a