Colfax, LA · Cert 8140 · Community Bancshares Co.
State charter, non-member · FDIC · 5 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
67
Profitability
36
Liquidity
4
Efficiency
27
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.
Colfax, LA · Cert 8140 · Community Bancshares Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 4.0% share · #7 of 15 inst. · $0.1B of $3.4B
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 | 0.85% | 0.80% | 0.77% | 0.83% | 0.87% | 0.81% | 0.70% | 0.65% | -18 bps | |
| Return on Equity | 11.38% | 10.67% | 9.81% | 10.56% | 10.77% | 9.89% | 8.01% | 7.42% | -315 bps | |
| Net Interest Margin | 3.61% | 3.56% | 3.50% | 3.56% | 3.61% | 3.59% | 3.48% | 3.45% | -11 bps | |
| Efficiency Ratio | 72.74% | 74.08% | 74.81% | 73.03% | 72.23% | 73.86% | 76.86% | 78.14% | +512 bps | |
| Non-Interest Burden | 2.52% | 2.53% | 2.53% | 2.50% | 2.50% | 2.55% | 2.59% | 2.61% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 5.25% | -1.20% | 3.52% | 6.30% | 2.98% | -0.45% | -0.12% | -364 bps | |
| Loan Growth (YoY) | 6.49% | 7.36% | 7.49% | 4.12% | 2.79% | 3.27% | -1.16% | 0.59% | -352 bps | |
| Deposit Growth (YoY) | 1.67% | 4.74% | -2.27% | 2.84% | 5.87% | 2.03% | -1.51% | -1.16% | -400 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.21% | 0.20% | 0.22% | 0.19% | 0.04% | 0.05% | 0.04% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.03% | 0.04% | 0.04% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 0.54% | 0.54% | 0.52% | 0.51% | 0.49% | 0.48% | 0.49% | 0.48% | -3 bps | |
| Allowance Coverage of NPLs | 8.8x | 2.5x | 2.6x | 2.4x | 2.6x | 12.7x | 10.9x | 11.7x | +9.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.10% | 11.17% | 10.61% | 10.85% | 11.05% | 11.13% | 10.88% | 11.05% | +20 bps | |
| Total Risk-Based Capital | 11.10% | 11.17% | 10.61% | 10.85% | 11.05% | 11.13% | 10.88% | 11.05% | +20 bps | |
| Equity / Assets | 8.18% | 7.86% | 7.79% | 8.05% | 8.55% | 8.72% | 8.78% | 8.98% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.53% | 48.03% | 48.16% | 48.90% | 49.06% | 48.61% | 48.33% | 49.77% | +87 bps | |
| Liquid Assets / Assets | 31.96% | 33.70% | 36.41% | 37.24% | 37.06% | 39.06% | 38.95% | 37.82% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 110.11% | 104.02% | 103.60% | n/a | n/a | |
Colfax, LA · Cert 8140 · Peer group: banks under $1B in assets (n=581-629) · Community Bancshares Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.66%
Rank 456 of 629
Net Interest Margin
3.45%
Rank 340 of 629
Efficiency Ratio
78.14%
Rank 460 of 629
Equity / Assets
8.98%
Rank 484 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 456 / 629 | ||
| Return on Equity | 7.32% | 5.38% | 9.30% | 13.28% | Beats 34% | 412 / 629 | ||
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 46% | 340 / 629 | ||
| Efficiency Ratio | 78.14% | 58.35% | 67.79% | 79.08% | Beats 27% | 460 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 81% | 109 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 53% | 274 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.05% | 11.24% | 13.84% | 18.77% | Beats 23% | 482 / 629 | ||
| Total Risk-Based Capital Ratio | 11.05% | 11.58% | 14.43% | 19.66% | Beats 20% | 506 / 629 | ||
| Equity / Assets | 8.98% | 9.09% | 10.65% | 13.80% | Beats 23% | 484 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.77% | 67.24% | 80.90% | 93.48% | 10th pctl | 533 / 594 | ||
| Loans / Assets | 45.13% | 53.31% | 67.71% | 78.15% | 17th pctl | 524 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||