Stanford, KY · Cert 9313 · Community Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.11% | 1.57% | 1.77% | 2.10% | 2.14% | 1.65% | 1.81% | 1.84% | -27 bps | |
| Return on Equity | 16.63% | 12.18% | 13.95% | 16.15% | 15.57% | 11.80% | 13.07% | 13.16% | -299 bps | |
| Net Interest Margin | 5.09% | 4.99% | 4.89% | 5.04% | 5.14% | 4.94% | 4.75% | 4.85% | -19 bps | |
| Efficiency Ratio | 54.75% | 65.62% | 59.74% | 54.20% | 54.27% | 63.14% | 58.66% | 57.09% | +289 bps | |
| Non-Interest Burden | 2.29% | 2.91% | 2.53% | 2.26% | 2.28% | 2.72% | 2.35% | 2.35% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.46% | 5.88% | 9.24% | 5.32% | 4.80% | 7.02% | 2.75% | 5.87% | +55 bps | |
| Loan Growth (YoY) | 4.19% | 1.17% | 2.20% | 5.07% | 3.82% | 6.61% | 6.89% | -0.42% | -550 bps | |
| Deposit Growth (YoY) | 3.76% | 5.14% | 8.16% | 3.91% | 3.59% | 5.67% | 1.44% | 5.11% | +120 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.44% | 0.39% | 0.72% | 0.52% | 0.49% | 0.42% | 0.46% | -27 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.14% | 0.05% | 0.06% | 0.10% | 0.13% | 0.31% | 0.07% | 0 bps | |
| Allowance / Loans | 0.90% | 0.87% | 0.85% | 0.81% | 0.78% | 0.73% | 0.64% | 0.68% | -14 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.0x | 2.2x | 1.1x | 1.5x | 1.5x | 1.5x | 1.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.43% | 14.36% | 14.52% | 14.62% | 15.34% | 15.27% | 14.98% | 15.17% | +55 bps | |
| Total Risk-Based Capital | 14.43% | 14.36% | 14.52% | 14.62% | 15.34% | 15.27% | 14.98% | 15.17% | +55 bps | |
| Equity / Assets | 13.14% | 12.69% | 12.68% | 13.37% | 14.18% | 13.84% | 13.89% | 14.03% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.58% | 68.56% | 66.20% | 68.96% | 69.73% | 69.17% | 69.76% | 65.33% | -363 bps | |
| Liquid Assets / Assets | 16.00% | 15.37% | 17.46% | 13.27% | 12.39% | 13.81% | 13.86% | 17.10% | +383 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 96.96% | 95.45% | 93.34% | n/a | n/a | |