Headquartered in Liberal, Kansas, The Community Bank is a state-chartered bank with $173.5M in total assets and $152.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1998.
The Community Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 32nd. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (66/100, 1.14%).
TellerScore · Q2 2026
Scorecard
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 rose 3 points (82 → 85), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 79 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 84 |
| Q4 2025 | 85 |
| Q1 2026 | 84 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.92% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.67% |
| Q1 2025 | 12.80% |
| Q2 2025 | 12.84% |
| Q3 2025 | 12.80% |
| Q4 2025 | 12.91% |
| Q1 2026 | 12.57% |
| Q2 2026 | 12.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.05% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.15% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $173.5M | 12.83% | 0.04% | 1.14% | 58.3% |
| Q1 2026 | 84 | $177.7M | 12.57% | 0.09% | 1.08% | 55.3% |
| Q4 2025 | 85 | $173.8M | 12.91% | 0.16% | 1.15% | 60.0% |
| Q3 2025 | 84 | $171.7M | 12.80% | 0.11% | 1.15% | 58.9% |
| Q2 2025 | 82 | $166.5M | 12.84% | 0.38% | 1.14% | 62.1% |
| Q1 2025 | 82 | $164.6M | 12.80% | 0.40% | 1.09% | 61.2% |
| Q4 2024 | 79 | $166.8M | 12.67% | 0.51% | 1.07% | 59.0% |
| Q3 2024 | 76 | $162.4M | 12.27% | 0.76% | 1.05% | 59.7% |
| Q2 2024 | 77 | $166.3M | 11.92% | 0.53% | 1.06% | 60.0% |
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).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Scott CityBank Scott City, KS | 85 out of 100, Very strong | $173.8M | 14.5% | 0.33% | vs |
| Farmers National BankBank Phillipsburg, KS | 91 out of 100, Very strong | $172.5M | 19.6% | 0.41% | vs |
| Bank of Prairie VillageBank Prairie Village, KS | 72 out of 100, Strong | $175.7M | 10.2% | 0.07% | vs |
| American Bank of Baxter SpringsBank Baxter Springs, KS | 72 out of 100, Strong | $170.2M | 10.0% | 0.00% | vs |
| The Farmers State Bank of Aliceville, KansasBank Westphalia, KS | 82 out of 100, Strong | $179.6M | 19.2% | 1.05% | vs |
| Impact BankBank Wellington, KS | 80 out of 100, Strong | $167.2M | 10.6% | 0.03% | vs |
Deposit insurance
Is my money safe at The Community Bank?
Yes. The Community Bank is an FDIC-insured institution (FDIC certificate #34666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.2% of deposits ($32.2M) 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 12.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.88% (benchmark: 10%).
2 locations
Branches
The Community Bank lists 1 office in 1 city. Most locations:
- Liberal, KS (1)
Identity & history
Profile
- Legal name
- The Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34666
- RSSD ID
- 2621940
- Primary regulator
- FDIC
- Holding company
- Light Bancshares Corp
- Established
- April 6, 1998
- Headquarters
- 2320 N Kansas Ave, Liberal, KS 67901
- Website
- www.communitybankliberal.com
- Employees
- 23
Quick answers
The Community Bank: common questions
Is The Community Bank FDIC insured?
Yes. The Community Bank is an FDIC-insured institution (FDIC certificate #34666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Community Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Community Bank ever failed?
There is no failure record for FDIC certificate #34666 in the FDIC failed bank list.
How many branches does The Community Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Liberal
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of the PlainsBank Plains, KS | 71 out of 100, Strong | $445.6M | 9.3% | 0.44% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| The First National Bank of HookerBank Hooker, OK | 65 out of 100, Moderate | $91.2M | 16.3% | 2.96% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |
| Sunflower Bank, National AssociationBank Dallas, TX | 51 out of 100, Below average | $15.7B | 10.3% | 1.63% | vs |