Community Bank (FDIC #25752): Bank Stress & Real-Estate Credit Exposure

Community Bank (FDIC Cert #25752): bank stress 33/100, contained, STABLE over 7 days; parent EAST TEXAS BCORP INC.

Community Bank (#25752) lends in 4 counties across 1 state; Community Bank (#25752) reaches 40 ZIP codes: Texas 4 counties, 40 ZIPs.

Community Bank (#25752) largest markets: Cass County, TX (15 branches, 15 ZIPs) (#25752), Harrison County, TX (30 branches, 15 ZIPs) (#25752), Gregg County, TX (20 branches, 10 ZIPs) (#25752), Morris County, TX (7 branches, 7 ZIPs) (#25752).

Community Bank (#25752) reports $315.5 million in total assets; Community Bank (#25752) equity $37.3 million (11.8% of Community Bank (#25752) assets); Community Bank (#25752) domestic deposits $277.8 million; Community Bank (#25752) net income $4.5 million; Community Bank (#25752) return on assets 2.92%; Community Bank (#25752) return on equity 25.07%; Community Bank (#25752) net interest income $6.7 million; Community Bank (#25752) call report June 30, 2026.

Community Bank (#25752) noncurrent real-estate loans: none reported; Community Bank (#25752) net charge-offs on real estate 0.00%.

Community Bank (#25752) net interest margin 4.49% against an eight-quarter Community Bank (#25752) average of 4.32% (Community Bank (#25752) compression -0.17 points); Community Bank (#25752) rate-exposure score 40/100, Community Bank (#25752) fixed-rate trap 40/100; Community Bank (#25752) risk type rate trapped; Community Bank (#25752) rate regime rates elevated, Community Bank (#25752) snapshot October 20, 2026.

Community Bank (#25752) stress score moved from 31.3 on June 22, 2026 to 32.9 on October 20, 2026; Community Bank (#25752) ranged 31.3 to 32.9 over 117 snapshots.

Community Bank (#25752) alerts: 3 counties; top Community Bank (#25752) alert scores: Avinger County, TX 14 (low); Lone Star County, TX 14 (low); Longview County, TX 14 (low).