Kingman, AZ · Cert 57137 · Community Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Lake Havasu City-Kingman, AZ · 2026 SOD (annual) · 3.8% share · #7 of 10 inst. · $0.2B of $4.5B
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 | 0.19% | 0.37% | 0.18% | 0.21% | 0.37% | 0.71% | 0.60% | 0.49% | +28 bps | |
| Return on Equity | 3.63% | 6.42% | 3.20% | 3.53% | 6.16% | 11.00% | 8.78% | 7.00% | +347 bps | |
| Net Interest Margin | 3.07% | 3.02% | 2.87% | 3.02% | 3.10% | 3.05% | 3.02% | 3.11% | +9 bps | |
| Efficiency Ratio | 88.49% | 85.25% | 92.04% | 92.19% | 85.50% | 72.28% | 78.38% | 80.69% | -1,149 bps | |
| Non-Interest Burden | 2.68% | 2.52% | 2.61% | 2.75% | 2.61% | 2.10% | 2.21% | 2.45% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.84% | -4.27% | 2.06% | 1.92% | 3.50% | 1.19% | -6.22% | -3.05% | -497 bps | |
| Loan Growth (YoY) | 4.56% | 3.52% | 4.14% | -2.74% | -4.21% | -8.48% | -7.52% | 0.11% | +285 bps | |
| Deposit Growth (YoY) | -6.30% | 1.46% | 7.08% | 2.81% | 2.80% | 0.34% | -7.08% | -3.80% | -661 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.23% | 0.23% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.07% | 1.11% | 1.10% | 1.17% | 1.16% | 1.20% | 1.17% | 1.16% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 5.2x | 5.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.69% | 8.81% | 8.76% | 8.62% | 8.66% | 9.01% | 9.39% | 9.45% | +83 bps | |
| Total Risk-Based Capital | 17.42% | 17.62% | 17.43% | 18.47% | 18.66% | 19.97% | 20.02% | 19.97% | +150 bps | |
| Equity / Assets | 5.82% | 5.83% | 5.70% | 5.94% | 6.18% | 6.70% | 6.96% | 7.03% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.62% | 44.14% | 42.06% | 39.97% | 39.71% | 40.26% | 41.86% | 41.60% | +162 bps | |
| Liquid Assets / Assets | 47.44% | 46.63% | 47.37% | 51.42% | 51.58% | 51.57% | 50.00% | 50.21% | -121 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 227% | 212% | 208% | n/a | n/a | |