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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.87% | 0.81% | 0.70% | 0.65% | -18 bps | |
| Return on Equity | 10.56% | 10.77% | 9.89% | 8.01% | 7.42% | -315 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.59% | 3.48% | 3.45% | -11 bps | |
| Efficiency Ratio | 73.03% | 72.23% | 73.86% | 76.86% | 78.14% | +512 bps | |
| Non-Interest Burden | 2.50% | 2.50% | 2.55% | 2.59% | 2.61% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 6.30% | 2.98% | -0.45% | -0.12% | -364 bps | |
| Loan Growth (YoY) | 4.12% | 2.79% | 3.27% | -1.16% | 0.59% | -352 bps | |
| Deposit Growth (YoY) | 2.84% | 5.87% | 2.03% | -1.51% | -1.16% | -400 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.19% | 0.04% | 0.05% | 0.04% | -17 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.04% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 0.51% | 0.49% | 0.48% | 0.49% | 0.48% | -3 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.6x | 12.7x | 10.9x | 11.7x | +9.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.85% | 11.05% | 11.13% | 10.88% | 11.05% | +20 bps | |
| Total Risk-Based Capital | 10.85% | 11.05% | 11.13% | 10.88% | 11.05% | +20 bps | |
| Equity / Assets | 8.05% | 8.55% | 8.72% | 8.78% | 8.98% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.90% | 49.06% | 48.61% | 48.33% | 49.77% | +87 bps | |
| Liquid Assets / Assets | 37.24% | 37.06% | 39.06% | 38.95% | 37.82% | +58 bps | |
| CRE / Total Capital | n/a | 110.11% | 104.02% | 103.60% | n/a | n/a | |