Community Bank: how it compares with its peers
Against 51 TN banks with half to twice its assets, Community Bank's strongest measure in Q2 2026 is net interest margin (4.12% vs. a 4.00% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $6.4M).
| Measure | Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.76% | 1.08% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.00% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.42% | 67.05% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.4M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.13% | 83.28% | Context |
What it means for lending operations
Its efficiency ratio of 73.42% is above the 67.05% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Community Bank Winchester, TN · $353M
- The First National Bank of Oneida Oneida, TN · $368M
- Tower Community Bank Jasper, TN · $375M
- Traditions First Bank Erin, TN · $337M
- RockPointBank, National Association Chattanooga, TN · $384M
- Security Federal Savings Bank of McMinnville Mcminnville, TN · $386M
Questions about Community Bank
How big is Community Bank?
Community Bank, established in 1961, is headquartered in Lexington, TN. It reported $358M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community Bank's return on assets?
0.76% annualized in Q2 2026, against a 1.08% median for 51 TN banks with half to twice its assets, ahead of 24% of them.
What is Community Bank's efficiency ratio?
73.42% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 67.05%, and lower is better.
Is Community Bank growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 9.6%.
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 TN 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 Tennessee bank ranked.