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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 1.30% | 1.28% | 1.09% | 1.17% | -29 bps | |
| Return on Equity | 17.08% | 14.87% | 14.33% | 12.19% | 13.38% | -369 bps | |
| Net Interest Margin | 4.31% | 4.15% | 4.02% | 3.81% | 3.87% | -44 bps | |
| Efficiency Ratio | 63.41% | 65.77% | 64.26% | 66.67% | 64.73% | +132 bps | |
| Non-Interest Burden | 2.49% | 2.52% | 2.37% | 2.34% | 2.29% | -20 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 / Loans | 0.14% | 0.14% | 0.15% | 1.77% | 1.64% | +150 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.01% | 0.87% | 0.03% | +2 bps | |
| Allowance / Loans | 0.81% | 0.81% | 0.88% | 0.71% | 0.76% | -5 bps | |
| Allowance Coverage of NPLs | 5.8x | 6.0x | 5.8x | 0.4x | 0.5x | -5.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.96% | 10.89% | 10.76% | 10.68% | 10.55% | -40 bps | |
| Total Risk-Based Capital | 17.82% | 17.49% | 18.66% | 18.50% | 10.55% | -727 bps | |
| Equity / Assets | 8.71% | 8.82% | 9.02% | 8.82% | 8.66% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.90% | 68.99% | 65.14% | 64.44% | 62.33% | -857 bps | |
| Liquid Assets / Assets | 4.57% | 5.40% | 7.81% | 6.27% | 5.95% | +138 bps | |
| CRE / Total Capital | n/a | 260% | 226% | 223% | n/a | n/a | |