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Community Bank, The

Bridgeport, TX · Cert 58517 · Community Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank, The

Bridgeport, TX · Cert 58517 · Community Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$211.8MAssets
$119.5MLoans
$191.8MDeposits
$18.3MEquity
Loan mix
81%RE $92.3M16%C&I $18.2M3%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $133.5M30%Noninterest $58.3MQ2 2025Q2 2026

NIM

5.44%Q2 ’245.81%Q2 ’255.36%Q2 ’26+7%-11%

Non-interest income vs. expense

2.95%Q2 ’243.07%Q2 ’252.86%Q2 ’26+4%-6%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #108 of 166 inst. · $0.2B of $732.8B

9.5% Wise
1.1% Parker

Executive Summary

  • Earnings: ROA of 1.12%, down 37 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 1.64% of loans (+150 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 10.55%, down 40 bps from a year ago.
  • Funding: loans stand at 62.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.76%-49 bps YoY

Efficiency Ratio (YTD, annualized)

65.67%+303 bps YoY

Tier 1 Leverage Ratio

10.55%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.42%1.39%1.09%1.12%-37 bps
Return on Equity17.65%16.64%16.01%12.19%12.74%-492 bps
Net Interest Margin4.25%4.12%3.97%3.81%3.76%-49 bps
Efficiency Ratio62.64%63.69%63.84%66.67%65.67%+303 bps
Non-Interest Burden2.42%2.40%2.32%2.34%2.27%-15 bps
Growth
Asset Growth (YoY)7.25%9.55%16.97%12.20%17.16%+991 bps
Loan Growth (YoY)3.98%11.18%1.19%3.40%3.19%-79 bps
Deposit Growth (YoY)5.95%8.89%16.02%11.61%17.38%+1,143 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.14%0.15%1.77%1.64%+150 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.87%0.44%+42 bps
Allowance / Loans0.81%0.81%0.88%0.71%0.76%-5 bps
Allowance Coverage of NPLs5.8x6.0x5.8x0.4x0.5x-5.3x
Capital
Tier 1 Leverage Ratio10.96%10.89%10.76%10.68%10.55%-40 bps
Total Risk-Based Capital17.82%17.49%18.66%18.50%10.55%-727 bps
Equity / Assets8.71%8.82%9.02%8.82%8.66%-5 bps
Liquidity & Funding
Loans / Deposits70.90%68.99%65.14%64.44%62.33%-857 bps
Liquid Assets / Assets4.57%5.40%7.81%6.27%5.95%+138 bps
CRE / Total Capitaln/a260%226%223%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank, The

Bridgeport, TX · Cert 58517 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Community Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$211.8MAssets
$119.5MLoans
$191.8MDeposits
$18.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 50% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 14 of 28).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.08%

Rank 22 of 28

Net Interest Margin

3.77%

Rank 21 of 28

Efficiency Ratio

65.67%

Rank 21 of 28

Equity / Assets

8.66%

Rank 25 of 28

Non-interest income vs. expense

$1.2M$6.0MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 29% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 65.67%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%1.12%1.22%1.47%Beats 21%22 / 28
Return on Equity12.47%8.64%12.47%13.41%Beats 50%14 / 28
Net Interest Margin3.77%3.77%4.06%4.51%Beats 25%21 / 28
Efficiency Ratio65.67%57.39%61.94%66.78%Beats 29%21 / 28
Asset Quality
Nonperforming Loans / Loans1.64%n/a0.28%1.06%Beats 18%24 / 28
Net Charge-Offs / Loans0.22%0.00%0.01%0.20%Beats 21%23 / 28
Capital
Tier 1 Capital Ratio10.55%12.55%13.77%17.51%Beats 18%23 / 28
Total Risk-Based Capital Ratio10.55%12.59%14.62%18.18%Beats 18%23 / 28
Equity / Assets8.66%9.58%11.17%13.58%Beats 11%25 / 28
Liquidity & Funding
Loans / Deposits62.33%66.90%84.79%89.14%18th pctl23 / 28
Loans / Assets56.44%57.58%73.59%77.32%21st pctl22 / 28
Brokered Deposits / Depositsn/aNot reported for this institution