B
The Community Bank
LiberalKS
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Community Bank
Liberal, KS
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Rating B
Asset Quality Index 6.90
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 5.90
Stability Index 6.40
Company Info The Community Bank
Liberal, KS
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FDIC Number 34666
Phone Number (620) 624-6898
Website www.communitybankliberal.com
Asset Quality The Community Bank
Liberal, KS
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1-Year Asset Growth 5.76%
5-Year Asset Growth 7.29%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.44%
Non-Performing Loans to Loans 0.10%
Balance Sheet The Community Bank
Liberal, KS
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Total Assets 171.72M
Total Deposits 151.52M
Capital and Reserves The Community Bank
Liberal, KS
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Capital 18.66M
Leverage Ratio 12.80
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio 21.11
Liquidity The Community Bank
Liberal, KS
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Hot Money Ratio 30.01%
Liquidity Ratio 35.17%
Profitability The Community Bank
Liberal, KS
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5-Year Return on Average Assets 0.92%
Net Income 1.44M
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 64.33%
Return on Assets 1.16%
Return on Equity 11.14%