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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lexington, TN · FDIC certificate #31272
COMMUNITY BANK is an FDIC-insured institution based in Lexington, TN (FDIC certificate #31272). In its Q3 2026 Call Report it reported total assets of $383M, total deposits of $323M and net loans of $317M. Its primary federal regulator is FED.
Plain-language readout
COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $383M in Q3 2026 and were lowest at $358M in Q2 2026.
Total deposits were highest at $323M in Q3 2026 and lowest at $301M in Q2 2026.
Over the whole period total assets rose 5.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $383M | $323M | $317M | 0.75% | 7.59% | 4.08% |
| Q2 2026 | $358M | $301M | $298M | 0.76% | 7.72% | 4.12% |
| Q1 2026 | $361M | $303M | $295M | 0.74% | 7.81% | 4.08% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.5M | $3.1M | -$638K | -20.4% |
| Federal funds sold | $14.3M | $23.6M | -$9.3M | -39.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.5M | $25.4M | +$2.2M | +8.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $298.4M | $294.8M | +$3.7M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.5M | $4.5M | -$60K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $435K | $435K | $0K | 0.0% |
| All other assets | $9.9M | $9.7M | +$189K | +2.0% |
| Total assets | $357.5M | $361.4M | -$3.9M | -1.1% |
| Liabilities | ||||
| Total deposits | $301.0M | $303.4M | -$2.3M | -0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $14.0M | $16.0M | -$2.0M | -12.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.2M | $4.5M | -$301K | -6.6% |
| Total liabilities | $319.3M | $323.9M | -$4.6M | -1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $17.3M | $17.3M | $0K | 0.0% |
| Retained earnings | $21.2M | $20.5M | +$700K | +3.4% |
| Accumulated other comprehensive income | -$329K | -$303K | -$26K | -8.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $38.2M | $37.5M | +$674K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.1M | $303K | +$1.8M | +606.6% |
| Adjusted nonperforming assets | $2.1M | $303K | +$1.8M | +606.6% |
| Tangible equity plus allowance | $40.5M | $39.8M | +$678K | +1.7% |
| Texas ratio (gross) | 5.29% | 0.76% | +4.53 pts | See points |
| Texas ratio (adjusted) | 5.29% | 0.76% | +4.53 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.29% | 0.76% | +4.53 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.18% | 13.30% | -0.12 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.18% | 13.30% | -0.12 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.02% | 1.03% | -0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.19% | 14.34% | -0.14 pts | See points |
| Tier 1 leverage (approximate) | 10.64% | 10.80% | -0.16 pts | See points |
| Construction and land loans to total capital | 70.72% | 65.46% | +5.26 pts | See points |
| Commercial real estate to total capital | 210.99% | 202.54% | +8.45 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.16% | -1.10% | -0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $218.4M | $218.5M | -$37K | -0.0% |
| Non-core funding | $96.6M | $100.9M | -$4.3M | -4.2% |
| Loans to core deposits | 137.86% | 136.16% | +1.71 pts | See points |
| Loans to deposits | 100.03% | 98.06% | +1.97 pts | See points |
| Brokered deposits share of deposits | 15.49% | 16.37% | -0.88 pts | See points |
| Pledged securities share of securities | 40.24% | 14.40% | +25.84 pts | See points |
| Loans pledged, share of loans | 36.77% | 35.10% | +1.67 pts | See points |
| Volatile liabilities | $97.3M | $101.6M | -$4.3M | -4.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $982K | +$1.0M | +102.1% |
| Earnings before provision, single quarter | $1.0M | $982K | +$21K | +2.1% |
| Provision for credit losses, year to date | $223K | $134K | +$89K | +66.4% |
| Yield and cost | ||||
| Yield on loans and leases | 7.01% | 7.02% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 5.50% | 3.54% | +1.97 pts | See points |
| Total interest income to average assets | 6.40% | 6.46% | -0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.68% | 1.85% | -0.17 pts | See points |
| Cost of savings and money market deposits | 2.87% | 2.65% | +0.22 pts | See points |
| Cost of time deposits | 3.76% | 3.90% | -0.13 pts | See points |
| Total interest expense to average assets | 2.47% | 2.49% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $383M | $323M | $317M | 0.75% | 7.59% | 4.08% |
| 2026-06-30 | $358M | $301M | $298M | 0.76% | 7.72% | 4.12% |
| 2026-03-31 | $361M | $303M | $295M | 0.74% | 7.81% | 4.08% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $274.7M | 0.12% | 97 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.