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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Camden, AL · FDIC certificate #2787
COMMUNITY NEIGHBOR BANK is an FDIC-insured institution based in Camden, AL (FDIC certificate #2787). In its Q3 2026 Call Report it reported total assets of $194M, total deposits of $172M and net loans of $102M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY NEIGHBOR BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $194M in Q3 2026 and were lowest at $192M in Q1 2026.
Total deposits were highest at $172M in Q3 2026 and lowest at $171M in Q1 2026.
Over the whole period total assets rose 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $194M | $172M | $102M | 1.40% | 12.94% | 4.70% |
| Q2 2026 | $193M | $172M | $101M | 1.39% | 12.98% | 4.61% |
| Q1 2026 | $192M | $171M | $97M | 1.42% | 13.40% | 4.67% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $37.5M | $36.0M | +$1.5M | +4.0% |
| Federal funds sold | $1.9M | $1.7M | +$163K | +9.6% |
| 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) | $43.2M | $48.4M | -$5.2M | -10.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $324K | -$324K | -100.0% |
| Net loans and leases (after allowance) | $101.2M | $96.4M | +$4.8M | +5.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.1M | -$40K | -1.3% |
| Other real estate owned | $0K | $25K | -$25K | -100.0% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $6.5M | $6.4M | +$103K | +1.6% |
| Total assets | $193.2M | $192.3M | +$894K | +0.5% |
| Liabilities | ||||
| Total deposits | $171.7M | $171.3M | +$489K | +0.3% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $252K | $448K | -$196K | -43.8% |
| Total liabilities | $172.0M | $171.7M | +$293K | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $225K | $225K | $0K | 0.0% |
| Retained earnings | $21.2M | $20.5M | +$656K | +3.2% |
| Accumulated other comprehensive income | -$412K | -$357K | -$55K | -15.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.2M | $20.6M | +$601K | +2.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $837K | +$495K | +59.1% |
| Adjusted nonperforming assets | $1.3M | $837K | +$495K | +59.1% |
| Tangible equity plus allowance | $22.8M | $22.1M | +$635K | +2.9% |
| Texas ratio (gross) | 5.85% | 3.78% | +2.07 pts | See points |
| Texas ratio (adjusted) | 5.85% | 3.78% | +2.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.58% | 4.45% | +2.13 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.13% | 10.82% | +0.31 pts | See points |
| Construction and land loans to total capital | 23.73% | 23.26% | +0.46 pts | See points |
| Commercial real estate to total capital | 36.21% | 32.67% | +3.54 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 | -2.57% | -2.54% | -0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $158.6M | $159.0M | -$390K | -0.2% |
| Non-core funding | $13.2M | $12.3M | +$879K | +7.2% |
| Loans to core deposits | 64.78% | 61.58% | +3.20 pts | See points |
| Loans to deposits | 59.81% | 57.16% | +2.65 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 96.45% | 94.60% | +1.85 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $13.2M | $12.3M | +$879K | +7.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $941K | +$923K | +98.1% |
| Earnings before provision, single quarter | $923K | $941K | -$18K | -1.9% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 8.05% | 8.36% | -0.31 pts | See points |
| Yield on interest-bearing balances due from banks | 3.87% | 3.79% | +0.08 pts | See points |
| Total interest income to average assets | 5.60% | 5.67% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 1.87% | 1.78% | +0.09 pts | See points |
| Cost of savings and money market deposits | 0.94% | 0.98% | -0.04 pts | See points |
| Cost of time deposits | 3.44% | 3.44% | +0.00 pts | See points |
| Total interest expense to average assets | 1.40% | 1.39% | +0.01 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 | $194M | $172M | $102M | 1.40% | 12.94% | 4.70% |
| 2026-06-30 | $193M | $172M | $101M | 1.39% | 12.98% | 4.61% |
| 2026-03-31 | $192M | $171M | $97M | 1.42% | 13.40% | 4.67% |
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 |
|---|---|---|---|---|
| AL | $154.1M | 0.11% | 92 | Continuing · -0.00 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.