TellerScore

Headquartered in Avon, South Dakota, Community Bank is a state-chartered bank with $69.3M in total assets and $60.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1914.

Based on its Q2 2026 filing, Community Bank scores 76/100, which we describe as strong. That is higher than 56% of 546 banks with under $100 million in assets. Among 56 banks headquartered in South Dakota, it ranks 26th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is earnings (57/100; 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.20%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 69.8% · 11.8% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (79 → 76), mostly because the earnings component improved by 13 points.

TellerScore
747779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202579
Q2 202579
Q3 202574
Q4 202576
Q1 202674
Q2 202676
Tier 1 leverage ratio
5.00%9.08%13.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.16%
Q3 202412.42%
Q4 202412.14%
Q1 202512.65%
Q2 202513.16%
Q3 202512.88%
Q4 202512.21%
Q1 202612.02%
Q2 202612.20%
Noncurrent loans
0.14%0.47%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.35%
Q4 20240.28%
Q1 20250.37%
Q2 20250.29%
Q3 20250.74%
Q4 20250.14%
Q1 20260.79%
Q2 20260.60%
Return on assets
0.25%0.59%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.36%
Q4 20240.25%
Q1 20250.74%
Q2 20250.59%
Q3 20250.54%
Q4 20250.40%
Q1 20260.93%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$69.3M12.20%0.60%0.93%69.8%
Q1 202674$70.6M12.02%0.79%0.93%67.9%
Q4 202576$68.8M12.21%0.14%0.40%71.7%
Q3 202574$67.5M12.88%0.74%0.54%71.4%
Q2 202579$63.4M13.16%0.29%0.59%69.0%
Q1 202579$62.9M12.65%0.37%0.74%65.8%
Q4 202474$66.9M12.14%0.28%0.25%64.0%
Q3 202475$66.8M12.42%0.35%0.36%62.0%
Q2 202474$68.3M12.16%0.38%0.30%59.2%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.20%
43rd
Total risk-based capital0.00%
27th
Problem loans0.60%
44th
Net charge-offs0.22%
12th
Return on assets0.93%
47th
Net interest margin3.79%
46th
Efficiency ratio65.5%
63rd
Loans to deposits69.8%
45th
Uninsured deposits11.8%
67th
Loan-loss reserves1.23%
51st
Texas ratio3.0%
45th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs
Ipswich State BankBank Ipswich, SD86 out of 100, Very strong$74.2M15.5%1.31%vs
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
State Bank of Eagle ButteBank Eagle Butte, SD78 out of 100, Strong$80.3M12.4%0.07%vs
Sunrise Bank DakotaBank Onida, SD83 out of 100, Strong$57.5M13.0%0.00%vs
Farmers State Bank of CantonBank Canton, SD70 out of 100, Strong$81.6M8.7%0.00%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #1687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.8% of deposits ($7.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Community Bank lists 1 office in 1 city. Most locations:

  • Avon, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank
Type
State-chartered bank
FDIC certificate #
1687
RSSD ID
276953
Primary regulator
FDIC
Established
January 1, 1914
Headquarters
118 Main St N, Avon, SD 57315
Employees
9

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #1687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank ever failed?

There is no failure record for FDIC certificate #1687 in the FDIC failed bank list.

How many branches does Community Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Avon

InstitutionScoreAssetsCapitalProblem loansCompare
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
The Farmers and Merchants State BankBank Scotland, SD83 out of 100, Strong$36.0M11.9%0.08%vs
Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE77 out of 100, Strong$232.9M9.5%0.07%vs
Farmers State BankBank Parkston, SD76 out of 100, Strong$254.8M10.0%0.00%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
Security Bank MidwestBank Tyndall, SD66 out of 100, Moderate$304.1M10.5%0.40%vs