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Bank of New Cambria

New Cambria, MO · Cert 10626

FDIC · 2 branches

Q3 2025

$31.9MAssets
$9.8MLoans
$27.8MDeposits
$3.9MEquity
Loan mix
86%RE $6.1M12%C&I $0.9M2%Consumer $0.1MQ4 2023Q3 2025
Deposit mix
77%Interest-bearing $21.4M23%Noninterest $6.5MQ4 2023Q3 2025

Executive Summary

  • Earnings: ROA of 0.70%, up 6 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 14.38%, up 127 bps from a year ago.
  • Funding: loans stand at 35.07% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

0.70%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.41%+119 bps YoY

Tier 1 Leverage Ratio

14.38%+127 bps YoY

NIM

3.58%Q3 ’233.97%Q3 ’244.10%Q3 ’25+8%+3%

Non-interest income vs. expense

2.95%Q3 ’233.05%Q3 ’243.34%Q3 ’25+4%+3%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.69%0.39%0.59%0.64%0.61%0.46%0.45%0.70%+6 bps
Return on Equity8.38%4.25%6.38%6.62%6.30%4.51%4.24%6.27%-36 bps
Net Interest Margin3.32%3.37%3.53%3.66%3.68%3.52%3.95%3.76%+11 bps
Efficiency Ratio80.89%87.31%81.02%79.22%79.94%85.98%85.54%80.41%+119 bps
Non-Interest Burden2.65%2.91%2.83%2.86%2.90%3.00%3.35%2.95%+9 bps
Growth
Asset Growth (YoY)-0.68%-3.25%0.66%-4.70%-6.89%-1.80%-8.18%-5.35%-65 bps
Loan Growth (YoY)-0.06%7.07%-2.00%6.69%1.69%5.27%4.22%-3.68%-1,037 bps
Deposit Growth (YoY)-2.40%-4.03%-0.25%-8.18%-8.10%-3.21%-10.35%-6.84%+134 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.29%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.14%0.04%0.03%0.01%0.00%0.42%0.29%+26 bps
Allowance / Loans2.64%2.79%2.73%2.46%2.59%2.68%2.43%2.35%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/a9.2xn/an/an/an/a
Capital
Tier 1 Leverage Ratio12.56%12.39%12.61%13.11%12.98%13.16%14.43%14.38%+127 bps
Total Risk-Based Capital12.56%12.39%12.61%13.11%12.98%13.16%14.43%14.38%+127 bps
Equity / Assets9.11%9.06%9.43%10.96%10.28%10.24%11.57%12.38%+142 bps
Liquidity & Funding
Loans / Deposits29.56%27.63%28.76%33.92%32.71%30.05%33.44%35.07%+115 bps
Liquid Assets / Assets24.16%25.89%25.61%21.40%21.83%25.16%23.16%23.48%+208 bps
CRE / Total Capitaln/an/an/an/an/an/an/a7.40%n/an/a