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 | |