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 (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 | 0.10% | 0.26% | 0.53% | 1.00% | 0.74% | 1.11% | 0.67% | 1.53% | +53 bps | |
| Return on Equity | 1.09% | 2.89% | 6.35% | 12.29% | 8.95% | 14.03% | 7.97% | 17.39% | +511 bps | |
| Net Interest Margin | 3.87% | 4.43% | 5.00% | 5.90% | 5.92% | 6.42% | 5.87% | 3.79% | -211 bps | |
| Efficiency Ratio | 95.98% | 89.71% | 76.03% | 67.70% | 74.16% | 66.88% | 70.65% | 41.45% | -2,625 bps | |
| Non-Interest Burden | 3.58% | 3.83% | 3.64% | 3.82% | 4.23% | 4.12% | 4.02% | 1.49% | -233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.06% | 25.59% | 49.24% | 44.47% | 56.00% | 59.24% | 45.69% | 45.19% | +72 bps | |
| Loan Growth (YoY) | 32.52% | 49.18% | 73.99% | 74.29% | 84.62% | 93.43% | 58.95% | 55.71% | -1,858 bps | |
| Deposit Growth (YoY) | 25.42% | 27.94% | 48.43% | 39.65% | 46.64% | 52.02% | 43.86% | 37.65% | -200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.12% | 1.44% | 0.43% | 1.15% | 0.99% | 0.94% | 0.81% | 2.34% | +119 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.03% | 0.14% | +15 bps | |
| Allowance / Loans | 0.87% | 0.82% | 0.76% | 0.83% | 0.89% | 0.94% | 1.09% | 1.13% | +30 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 1.8x | 0.7x | 0.9x | 1.0x | 1.3x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 9.28% | 9.27% | 9.38% | 9.10% | 8.37% | 9.78% | 8.29% | -109 bps | |
| Total Risk-Based Capital | 9.02% | 9.28% | 9.27% | 9.38% | 9.10% | 8.37% | 9.78% | 8.29% | -109 bps | |
| Equity / Assets | 9.44% | 8.57% | 8.10% | 8.22% | 8.24% | 7.67% | 9.08% | 8.52% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.53% | 78.49% | 89.44% | 92.80% | 97.61% | 99.87% | 98.83% | 104.97% | +1,217 bps | |
| Liquid Assets / Assets | 0.34% | 0.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 296% | 385% | 300% | n/a | n/a | |