The Community Bank: how it compares with its peers
Against 130 TX banks with half to twice its assets, The Community Bank's strongest measure in Q2 2026 is net interest margin (4.18% vs. a 4.20% peer median). Its weakest relative measure is return on assets (1.12% vs. 1.45%).
| Measure | The Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.45% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.20% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.67% | 63.00% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.6M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.85% | 66.68% | Context |
What it means for lending operations
Its efficiency ratio of 65.67% is above the 63.00% 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
- First State Bank of Odem Odem, TX · $213M
- The Perryton National Bank Perryton, TX · $213M
- First Texas National Bank Floydada, TX · $217M
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
- BOC Bank Mclean, TX · $203M
- Lone Star Bank Houston, TX · $202M
Questions about The Community Bank
How big is The Community Bank?
The Community Bank, established in 2007, is headquartered in Bridgeport, TX. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Community Bank's return on assets?
1.12% annualized in Q2 2026, against a 1.45% median for 130 TX banks with half to twice its assets, ahead of 31% of them.
What is The Community Bank's efficiency ratio?
65.67% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is The Community Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 17.4%.
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.