PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community 1st

Miles City, MT · Charter 8588

NCUA · 2 branches

Q2 2026

$43.1MAssets
$34.4MLoans
$37.6MShares
$4.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, up 56 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 1.60% of loans (-96 bps YoY).
  • Capital: net worth / assets of 11.14%, up 16 bps from a year ago.
  • Funding: loans stand at 91.36% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.79%+56 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+25 bps YoY

Efficiency Ratio (YTD, annualized)

84.80%-633 bps YoY

Net Worth / Assets

11.14%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.00%0.43%0.23%0.61%0.59%1.08%0.79%+56 bps
Return on Equity8.57%8.82%3.92%2.07%5.41%5.24%9.99%7.05%+498 bps
Net Interest Margin4.94%4.88%4.39%4.69%4.81%4.83%5.01%4.94%+25 bps
Efficiency Ratio76.44%75.34%86.71%91.13%83.96%83.47%81.41%84.80%-633 bps
Growth
Asset Growth (YoY)0.12%-2.81%6.02%5.08%5.50%6.40%6.35%5.39%+30 bps
Loan Growth (YoY)6.83%4.62%2.10%4.88%4.83%2.15%4.54%2.19%-269 bps
Share Growth (YoY)-0.93%-4.52%5.12%5.44%5.21%5.57%7.39%4.41%-102 bps
Asset Quality
Delinquent Loans / Loans2.79%2.46%2.67%2.56%1.90%1.06%1.07%1.60%-96 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 Capital11.10%11.37%10.85%10.98%11.25%11.27%10.79%11.14%+16 bps
Net Worth / Assets11.10%11.37%10.85%10.98%11.25%11.27%10.79%11.14%+16 bps
Liquidity & Funding
Loans / Shares94.59%94.66%87.58%93.35%94.25%91.59%85.26%91.36%-199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps