The Community Bank: how it compares with its peers
Against 84 KS banks with half to twice its assets, The Community Bank's strongest measure in Q2 2026 is assets per employee ($7.5M vs. a $7.0M peer median). Its weakest relative measure is return on assets (1.14% vs. 1.44%).
| Measure | The Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.44% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.99% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.50% | 58.42% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $7.0M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.25% | 76.53% | Context |
What it means for lending operations
Its efficiency ratio of 64.50% is above the 58.42% 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
- The First National Bank of Scott City Scott City, KS · $174M
- Farmers National Bank Phillipsburg, KS · $173M
- Bank of Prairie Village Prairie Village, KS · $176M
- American Bank of Baxter Springs Baxter Springs, KS · $170M
- The Farmers State Bank of Aliceville, Kansas Westphalia, KS · $180M
- Impact Bank Wellington, KS · $167M
Questions about The Community Bank
How big is The Community Bank?
The Community Bank, established in 1998, is headquartered in Liberal, KS. It reported $174M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Community Bank's return on assets?
1.14% annualized in Q2 2026, against a 1.44% median for 84 KS banks with half to twice its assets, ahead of 25% of them.
What is The Community Bank's efficiency ratio?
64.50% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.42%, and lower is better.
Is The Community Bank growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits grew 3.3%.
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 KS 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 Kansas bank ranked.