Beaver, OK · Cert 4041 · Community Capital Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 1.7% share · #12 of 20 inst. · $0.1B of $7.7B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.77% | 0.87% | 0.67% | 1.11% | +33 bps | |
| Return on Equity | 9.45% | 9.26% | 10.66% | 7.97% | 13.18% | +372 bps | |
| Net Interest Margin | 5.18% | 5.03% | 4.94% | 5.87% | 4.29% | -89 bps | |
| Efficiency Ratio | 71.31% | 72.42% | 70.62% | 70.65% | 57.78% | -1,352 bps | |
| Non-Interest Burden | 3.54% | 3.51% | 3.36% | 4.02% | 2.39% | -115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 44.47% | 56.00% | 59.24% | 45.69% | 45.19% | +72 bps | |
| Loan Growth (YoY) | 74.29% | 84.62% | 93.43% | 58.95% | 55.71% | -1,858 bps | |
| Deposit Growth (YoY) | 39.65% | 46.64% | 52.02% | 43.86% | 37.65% | -200 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.15% | 0.99% | 0.94% | 0.81% | 2.34% | +119 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.08% | +8 bps | |
| Allowance / Loans | 0.83% | 0.89% | 0.94% | 1.09% | 1.13% | +30 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 1.0x | 1.3x | 0.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.38% | 9.10% | 8.37% | 9.78% | 8.29% | -109 bps | |
| Total Risk-Based Capital | 9.38% | 9.10% | 8.37% | 9.78% | 8.29% | -109 bps | |
| Equity / Assets | 8.22% | 8.24% | 7.67% | 9.08% | 8.52% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.80% | 97.61% | 99.87% | 98.83% | 104.97% | +1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 296% | 385% | 300% | n/a | n/a | |