Community Bank: how it compares with its peers
Against 13 SD banks with half to twice its assets, Community Bank's strongest measure in Q2 2026 is efficiency ratio (65.49% vs. a 65.63% peer median). Its weakest relative measure is return on assets (0.93% vs. 1.25%).
| Measure | Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.25% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.80% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.49% | 65.63% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.2M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.78% | 42.61% | Context |
What it means for lending operations
Its efficiency ratio of 65.49% is better than the 65.63% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Security State Bank Emery, SD · $65M
- Ipswich State Bank Ipswich, SD · $74M
- First Western Federal Savings Bank Rapid City, SD · $64M
- State Bank of Eagle Butte Eagle Butte, SD · $80M
- Sunrise Bank Dakota Onida, SD · $58M
- Farmers State Bank of Canton Canton, SD · $82M
Questions about Community Bank
How big is Community Bank?
Community Bank, established in 1914, is headquartered in Avon, SD. It reported $69M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.25% median for 13 SD banks with half to twice its assets, ahead of 31% of them.
What is Community Bank's efficiency ratio?
65.49% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 65.63%, and lower is better.
Is Community Bank growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits grew 9.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.