FDIC Cert #1687 · Avon, South Dakota · Est. 1914

Community Bank - FDIC Bank Health Profile

A community-scale look at Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$69M
Total assets
C
Health grade · Fair
0.40%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Community Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.21% Tier 1, 0.40% ROA, 80% efficiency ratio.

#3,996
largest of 4,313 FDIC banks by assets
7th
percentile by asset size, nationally
12.21%
Tier 1 ratio - above the 10% well-capitalized line
13th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 1687 · SD C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3729/4307
  • PHOTO-FINISH The Citizens State B… · CO
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Dakota: The Citizens State Bank of Ouray, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Bank

Lowest and highest poles plus nearest scored peers outside South Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Buckeye State Bank · OH · ne…62/100Community Bank · SD · this b…62/100Peoples Bank · KY · near62/100The Citizens State B… · CO ·…62/100Wellington State Bank · TX ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Bank · July 2026

Plate reading for Community Bank where failures stay rare

Community Bank (FDIC Cert #1687) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,729 of 4,307. Tier 1 capital prints at 12.21%, clearing the 10% well-capitalized line. The Texas Ratio is 0.74%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $69M, 3,996th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Citizens State Bank of Ouray (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Bank

Only 1 FAILURE resolution in South Dakota since 2000

Community Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANKFIRST SIOUX FALLS, SD 2009 → ALERUS FINANCIAL, NATIONAL ASSOCIATION
  • FIRST FSB OF SOUTH DAKOTA RAPID CITY, SD 1992 → METROPOLITAN FB, FSB
  • FIRST FSB HURON, SD 1991 → BRANCH SALE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Dakota banks.

How Community Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Community Bank's composite health score
Tier 1 Capital Ratio (12.21%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (0.74%) 20/20
Efficiency Ratio (80.20%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$69M

Total balance-sheet footings

Total Deposits

$58M

Customer-funded liabilities

Net Loans

$42M

Outstanding loan book

Net Income

$265K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.81% 12.21% 13.61%
Basel III capital ratios - Community Bank

Where Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank's score of 62/100 falls in the highlighted band.

Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank's $69M falls in the highlighted band.

Safety metrics: Community Bank

Tier 1 capital ratio
Well-capitalized 10%

12.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.21%
Texas Ratio
0.74%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Community Bank

Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
3.57%
Efficiency Ratio
80.20%

What these mean →

Income & expense at Community Bank

$3M
Interest Income
$167K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank reports a Texas Ratio of 0.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Community Bank on FDIC BankFind →

Top banks in South Dakota by total assets

Largest banks headquartered in South Dakota
  1. 1
    Citibank $1.84T

    Sioux Falls, SD · Grade A

  2. 2
    Wells Fargo Bank $1.82T

    Sioux Falls, SD · Grade A

  3. 3
    The Bancorp Bank $9.3B

    Sioux Falls, SD · Grade A

  4. 4
    Pathward $7.6B

    Sioux Falls, SD · Grade A

  5. 5
    Dacotah Bank $4.8B

    Aberdeen, SD · Grade B

Top 5 banks in South Dakota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($69M here), outside South Dakota so the neighborhood is not state containment.

Community State Bank of Canton $69M · OK Boonville Federal Savings Bank $69M · IN Bank of Gueydan $69M · LA The State Bank of Pearl City $69M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank (FDIC Cert #1687) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Community Bank Call Report profile · FDIC Failed Bank List · South Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Dakota

All South Dakota banks →
BankAssetsGradeROA
Citibank, National AssociationSioux Falls $1.84T A 0.85%
Wells Fargo Bank, National AssociationSioux Falls $1.82T A 1.41%
The Bancorp Bank, National AssociationSioux Falls $9.3B A 2.81%
Pathward, National AssociationSioux Falls $7.6B A 2.65%
Dacotah BankAberdeen $4.8B B 1.01%
First Bank & TrustBrookings $4.7B B 1.02%
First PREMIER BankSioux Falls $4.2B A 1.67%
First Dakota National BankYankton $3.2B A 1.38%