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Community Bank

$100M-$1B Specialty: Commercial KS FDIC cert 34020

Topeka, KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

Community Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 41.0% in tier
  • + Profitability Leader: Top 48.2% in tier
  • + Net Interest Margin 1.00% above tier average
  • + Efficiency Ratio 24.31% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 32.6% in tier
  • - Credit Risk Growth: Bottom 35.5% in tier
  • - Capital Thin: Bottom 39.8% in tier
Get updates when Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $181.2M
+2.3% YoY -3.7% QoQ
-$204.9M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
22%
Total Loans ? $138.5M
+7.3% YoY +5.6% QoQ
-$117.2M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
32%
Total Deposits ? $156.1M
+3.1% YoY -3.1% QoQ
-$171.9M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
23%
Return on Assets ? 2.27%
+4.7% YoY +0.5% QoQ
+1.00% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
Top 7.6% in tier
Net Interest Margin ? 4.93%
+6.3% YoY +3.1% QoQ
+1.00% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
Top 8.2% in tier
Efficiency Ratio ? 40.98%
-1.2% YoY +0.8% QoQ
-24.31% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
Top 4.9% in tier
Delinquency Rate ? 0.24%
-8.6% QoQ
-0.65% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
61%
Loan-to-Deposit Ratio ? 88.74%
+4.1% YoY +8.9% QoQ
+12.10% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 23.53%
-1.0% YoY +14.5% QoQ
+1.51% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
61%
Nonperforming Asset Ratio ? 0.18%
+0.1% QoQ
-0.46% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
61%
Tier 1 Capital Ratio ? 10.92%
-1.2% YoY -4.3% QoQ
-4.91% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.16%
+15.8% YoY -75.6% QoQ
-0.12% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
76%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#274 of 666 • Top 41.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.16%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.27%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth
#322 of 666 • Top 48.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.27%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#427 of 1308 • Bottom 32.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#346 of 973 • Bottom 35.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Capital Thin

risk
#266 of 666 • Bottom 39.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.92%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

131
Efficiency Ratio
profitability
Value: 40.98%
Peer Median: 65.29%
#131 of 2664 Top 4.9% in $100M-$1B
204
Return on Assets
profitability
Value: 2.27%
Peer Median: 1.27%
#204 of 2664 Top 7.6% in $100M-$1B
220
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.93%
#220 of 2664 Top 8.2% in $100M-$1B
650
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#650 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2081
Tier 1 Capital Ratio
capital
Value: 10.92%
Peer Median: 15.83%
#2081 of 2664 Bottom 21.9% in $100M-$1B
2081
Total Assets
size
Value: $181.19M
Peer Median: $386.08M
#2081 of 2664 Bottom 21.9% in $100M-$1B
2060
Total Deposits
size
Value: $156.06M
Peer Median: $327.97M
#2060 of 2664 Bottom 22.7% in $100M-$1B
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