PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.00%Q2 ’245.09%Q2 ’254.85%Q2 ’26+10%-2%

Non-interest income vs. expense

2.64%Q2 ’242.70%Q2 ’252.70%Q2 ’26+14%-1%

Executive Summary

  • Earnings: ROA of 1.20%, unchanged from a year ago; NIM at 3.61%.
  • Asset quality: problem loans at 0.04% of loans (-34 bps YoY), with net recoveries of 0.12%.
  • 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 (quarter, annualized)

1.20%0 bps YoY

Net Interest Margin (quarter, annualized)

3.61%-6 bps YoY

Efficiency Ratio (quarter, annualized)

63.67%+50 bps YoY

Tier 1 Leverage Ratio

12.83%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.16%1.16%1.08%1.20%0 bps
Return on Equity11.54%10.78%10.52%9.77%10.77%-77 bps
Net Interest Margin3.67%3.68%3.65%3.50%3.61%-6 bps
Efficiency Ratio63.17%64.61%64.44%65.37%63.67%+50 bps
Non-Interest Burden2.09%2.16%2.13%2.10%2.07%-2 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%0.35%0.00%0.09%-0.12%-14 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