Bridgeport, TX · Cert 58517 · Community Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
16
Asset Quality
20
Profitability
32
Liquidity
41
Efficiency
29
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.
Bridgeport, TX · Cert 58517 · Community Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #108 of 166 inst. · $0.2B of $732.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.36% | 1.52% | 1.49% | 1.42% | 1.39% | 1.09% | 1.12% | -37 bps | |
| Return on Equity | 17.68% | 17.57% | 18.29% | 17.65% | 16.64% | 16.01% | 12.19% | 12.74% | -492 bps | |
| Net Interest Margin | 4.05% | 4.14% | 4.23% | 4.25% | 4.12% | 3.97% | 3.81% | 3.76% | -49 bps | |
| Efficiency Ratio | 64.81% | 64.65% | 61.86% | 62.64% | 63.69% | 63.84% | 66.67% | 65.67% | +303 bps | |
| Non-Interest Burden | 2.41% | 2.45% | 2.37% | 2.42% | 2.40% | 2.32% | 2.34% | 2.27% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | 4.26% | -1.62% | 7.25% | 9.55% | 16.97% | 12.20% | 17.16% | +991 bps | |
| Loan Growth (YoY) | 2.67% | 9.66% | 7.04% | 3.98% | 11.18% | 1.19% | 3.40% | 3.19% | -79 bps | |
| Deposit Growth (YoY) | 6.04% | 3.30% | -3.40% | 5.95% | 8.89% | 16.02% | 11.61% | 17.38% | +1,143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.16% | 0.27% | 0.14% | 0.14% | 0.15% | 1.77% | 1.64% | +150 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.03% | 0.02% | 0.02% | 0.01% | 0.87% | 0.44% | +42 bps | |
| Allowance / Loans | 0.84% | 0.78% | 0.81% | 0.81% | 0.81% | 0.88% | 0.71% | 0.76% | -5 bps | |
| Allowance Coverage of NPLs | 4.8x | 5.0x | 3.0x | 5.8x | 6.0x | 5.8x | 0.4x | 0.5x | -5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 10.84% | 10.69% | 10.96% | 10.89% | 10.76% | 10.68% | 10.55% | -40 bps | |
| Total Risk-Based Capital | 17.66% | 17.52% | 17.61% | 17.82% | 17.49% | 18.66% | 18.50% | 10.55% | -727 bps | |
| Equity / Assets | 8.33% | 8.33% | 8.33% | 8.71% | 8.82% | 9.02% | 8.82% | 8.66% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.57% | 74.68% | 69.56% | 70.90% | 68.99% | 65.14% | 64.44% | 62.33% | -857 bps | |
| Liquid Assets / Assets | 5.96% | 0.42% | 2.90% | 4.57% | 5.40% | 7.81% | 6.27% | 5.95% | +138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 226% | 223% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 1.12% | 1.22% | 1.47% | Beats 21% | 22 / 28 | ||
| Return on Equity | 12.47% | 8.64% | 12.47% | 13.41% | Beats 50% | 14 / 28 | ||
| Net Interest Margin | 3.77% | 3.77% | 4.06% | 4.51% | Beats 25% | 21 / 28 | ||
| Efficiency Ratio | 65.67% | 57.39% | 61.94% | 66.78% | Beats 29% | 21 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | n/a | 0.28% | 1.06% | Beats 18% | 24 / 28 | ||
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.01% | 0.20% | Beats 21% | 23 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.55% | 12.55% | 13.77% | 17.51% | Beats 18% | 23 / 28 | ||
| Total Risk-Based Capital Ratio | 10.55% | 12.59% | 14.62% | 18.18% | Beats 18% | 23 / 28 | ||
| Equity / Assets | 8.66% | 9.58% | 11.17% | 13.58% | Beats 11% | 25 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.33% | 66.90% | 84.79% | 89.14% | 18th pctl | 23 / 28 | ||
| Loans / Assets | 56.44% | 57.58% | 73.59% | 77.32% | 21st pctl | 22 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||