Community Bank: how it compares with its peers
Against 138 TX banks with half to twice its assets, Community Bank's strongest measure in Q2 2026 is return on assets (2.92% vs. a 1.46% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $6.7M).
| Measure | Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.92% | 1.46% | Top third Ahead of 99% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 4.20% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.38% | 61.21% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.7M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.68% | 68.62% | Context |
What it means for lending operations
Its efficiency ratio of 39.38% is better than the 61.21% 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 First National Bank of Hughes Springs Hughes Springs, TX · $320M
- Citizens Bank Amarillo, TX · $310M
- The Pecos County State Bank Fort Stockton, TX · $309M
- First State Bank Graham, TX · $309M
- Sundown State Bank Sundown, TX · $308M
- First State Bank of Burnet Burnet, TX · $326M
Questions about Community Bank
How big is Community Bank?
Community Bank, established in 1984, is headquartered in Longview, TX. It reported $315M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Community Bank's return on assets?
2.92% annualized in Q2 2026, against a 1.46% median for 138 TX banks with half to twice its assets, ahead of 99% of them.
What is Community Bank's efficiency ratio?
39.38% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is Community Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 5.8%.
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 TX 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 Texas bank ranked.