PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community South

Chipley, FL · Charter 67434

NCUA · 4 branches

Q2 2026

$244.6MAssets
$181.9MLoans
$209.4MShares
$31.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.71%, up 9 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.96% of loans (+73 bps YoY).
  • Capital: net worth / assets of 13.05%, up 23 bps from a year ago.
  • Funding: loans stand at 86.86% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.71%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+24 bps YoY

Efficiency Ratio (YTD, annualized)

79.32%-375 bps YoY

Net Worth / Assets

13.05%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.62%0.17%0.62%0.72%0.82%0.89%0.71%+9 bps
Return on Equity4.65%4.97%1.37%4.85%5.45%6.16%6.71%5.42%+57 bps
Net Interest Margin2.94%3.07%3.39%3.57%3.68%3.77%3.88%3.81%+24 bps
Efficiency Ratio89.42%87.54%82.20%83.07%80.77%76.48%79.30%79.32%-375 bps
Growth
Asset Growth (YoY)2.92%2.39%-1.95%-2.65%-0.93%-0.49%0.19%4.16%+681 bps
Loan Growth (YoY)0.88%-1.10%-1.01%-0.22%0.82%-2.35%-3.45%-1.80%-157 bps
Share Growth (YoY)3.04%1.69%-3.46%-4.46%-2.62%-1.73%-1.40%2.94%+740 bps
Asset Quality
Delinquent Loans / Loans0.50%0.30%0.19%0.23%0.58%0.58%0.48%0.96%+73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.39%12.55%12.35%12.82%13.13%13.33%13.21%13.05%+23 bps
Net Worth / Assets12.39%12.55%12.35%12.82%13.13%13.33%13.21%13.05%+23 bps
Liquidity & Funding
Loans / Shares89.78%91.50%88.45%91.05%92.95%90.92%86.61%86.86%-419 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps