Is Community Bank Safe?
Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (92/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.60% | 100/100 |
| Nonperforming Loan Ratio | 0.20% | 96/100 |
| Liquidity Ratio | 28.39% | 94/100 |
| Return on Assets | 1.81% | 92/100 |
| Total Assets | $0.3B | |
How does Community Bank compare?
With a Bank Health Score of 96/100, Community Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Community Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 24.60% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.20% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Community Bank's Bank Health Score improved by 5.0 points to 96/100. Tier 1 capital strengthened by 0.16 percentage points to 24.60%. Quarter-over-quarter, the score rose by 1.0 points.
Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (92/100).