Stanford, KY · Cert 9313 · Community Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
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 | 1.95% | 2.02% | 1.92% | 1.81% | 1.82% | -12 bps | |
| Return on Equity | 15.08% | 15.23% | 14.37% | 13.07% | 13.09% | -199 bps | |
| Net Interest Margin | 4.89% | 5.01% | 4.97% | 4.75% | 4.76% | -14 bps | |
| Efficiency Ratio | 56.88% | 55.98% | 57.77% | 58.66% | 57.87% | +99 bps | |
| Non-Interest Burden | 2.36% | 2.35% | 2.43% | 2.35% | 2.33% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.32% | 4.80% | 7.02% | 2.75% | 5.87% | +55 bps | |
| Loan Growth (YoY) | 5.07% | 3.82% | 6.61% | 6.89% | -0.42% | -550 bps | |
| Deposit Growth (YoY) | 3.91% | 3.59% | 5.67% | 1.44% | 5.11% | +120 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.52% | 0.49% | 0.42% | 0.46% | -27 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.09% | 0.31% | 0.20% | +14 bps | |
| Allowance / Loans | 0.81% | 0.78% | 0.73% | 0.64% | 0.68% | -14 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.5x | 1.5x | 1.5x | 1.5x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.62% | 15.34% | 15.27% | 14.98% | 15.17% | +55 bps | |
| Total Risk-Based Capital | 14.62% | 15.34% | 15.27% | 14.98% | 15.17% | +55 bps | |
| Equity / Assets | 13.37% | 14.18% | 13.84% | 13.89% | 14.03% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.96% | 69.73% | 69.17% | 69.76% | 65.33% | -363 bps | |
| Liquid Assets / Assets | 13.27% | 12.39% | 13.81% | 13.86% | 17.10% | +383 bps | |
| CRE / Total Capital | n/a | 96.96% | 95.45% | 93.34% | n/a | n/a | |