TellerScore

Community Bank (FDIC certificate #34020) is based in Topeka, Kansas. Its Q2 2026 call report shows $188.8M in total assets and $162.9M in deposits and 1 office.

Community Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 39th. Earnings contributes the most (100/100, 2.14%); capital cushion contributes the least (65/100, 11.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.49%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings100/100
Return on assets (annualized): 2.14%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 88.5% · 16.9% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.41%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).

TellerScore
798183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202479
Q4 202482
Q1 202582
Q2 202583
Q3 202581
Q4 202580
Q1 202679
Q2 202683
Tier 1 leverage ratio
5.00%8.37%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.73%
Q3 202410.99%
Q4 202411.00%
Q1 202511.05%
Q2 202511.64%
Q3 202510.91%
Q4 202511.41%
Q1 202610.92%
Q2 202611.49%
Noncurrent loans
0.00%0.18%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.37%
Q3 20240.36%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.26%
Q1 20260.23%
Q2 20260.22%
Return on assets
2.14%2.21%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.20%
Q3 20242.27%
Q4 20242.21%
Q1 20252.17%
Q2 20252.24%
Q3 20252.25%
Q4 20252.26%
Q1 20262.27%
Q2 20262.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$188.8M11.49%0.22%2.14%88.5%
Q1 202679$181.2M10.92%0.23%2.27%88.7%
Q4 202580$188.1M11.41%0.26%2.26%81.5%
Q3 202581$192.4M10.91%0.06%2.25%82.0%
Q2 202583$179.6M11.64%0.00%2.24%88.5%
Q1 202582$177.2M11.05%0.00%2.17%85.3%
Q4 202482$175.9M11.00%0.00%2.21%83.7%
Q3 202479$165.8M10.99%0.36%2.27%89.8%
Q2 202482$163.6M11.73%0.37%2.20%91.5%

2,650 peers · $100 million – $1 billion

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 ratio11.49%
58th
Total risk-based capital0.00%
24th
Problem loans0.22%
64th
Net charge-offs-0.00%
82nd
Return on assets2.14%
90th
Net interest margin4.79%
88th
Efficiency ratio41.7%
94th
Loans to deposits88.5%
29th
Uninsured deposits16.9%
76th
Loan-loss reserves1.08%
36th
Texas ratio1.4%
64th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Savings BankBank Leavenworth, KS80 out of 100, Strong$190.1M20.1%0.15%vs
Southwind BankBank Natoma, KS70 out of 100, Strong$186.6M10.4%0.74%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
Home Bank and Trust CompanyBank Eureka, KS67 out of 100, Moderate$183.3M8.3%0.63%vs
The Fidelity State Bank and Trust CompanyBank Dodge City, KS95 out of 100, Very strong$194.8M23.6%0.31%vs
The Solomon State BankBank Solomon, KS95 out of 100, Very strong$182.6M19.0%0.00%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #34020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.9% of deposits ($27.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.49%, 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:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank reported 126 home-loan applications under HMDA (LEI 254900R028OZZTTP5D53): 117 originated ($27,675,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Bank
Former names
Community National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34020
RSSD ID
2304636
Primary regulator
FED
Holding company
Community Financial Corp
Established
May 22, 1995
Headquarters
5431 Sw 29th St, Topeka, KS 66614
Employees
22

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #34020). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

83 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 #34020 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 Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs