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The Community Bank
Liberal, KS · FDIC Certificate #34666 · Chartered 04/0
Total assets
$173.53M
Total deposits
$152.23M
Total equity
$19.85M
Net loans
$88.68M
Branches (offices)
2
Net income (YTD)
$999.00K
Rank: #3,156 of 4,213 U.S. banks by assets · #108 of 183 in Kansas. Assets changed 4.2% and deposits 3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 10.23% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 11.44% |
| Tier 1 leverage ratio | 12.83% |
| Uninsured deposits (share of deposits) | 21.2% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 58.3% |
| Real estate loans (share of loans) | 58.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $52.23M | 58.9% | |
| Commercial & industrial | $13.11M | 14.8% | |
| Consumer / individual | $21.33M | 24.1% | |
| Construction & development | $1.98M | 2.2% | |
| Agricultural | $2.30M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.64M | $149.01M | $628.00K | $11.17M |
| Jun 2023 | $162.67M | $144.44M | $924.00K | $12.25M |
| Jun 2024 | $166.29M | $148.22M | $882.00K | $14.54M |
| Jun 2025 | $166.52M | $147.40M | $948.00K | $17.69M |
| Jun 2026 | $173.53M | $152.23M | $999.00K | $19.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $152.23M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $152.23M.
Similar-sized banks
Waterman Bank ($173.62M) · The Goose River Bank ($173.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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