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Citizens-Farmers Bank of Cole Camp, The

Cole Camp, MO · Cert 11463

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens-Farmers Bank of Cole Camp, The

Cole Camp, MO · Cert 11463

State charter, Fed member · FED · 2 branches

Q2 2026

$207.0MAssets
$130.7MLoans
$175.3MDeposits
$30.4MEquity
Loan mix
82%RE $94.1M8%C&I $9.4M10%Consumer $11.0MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $136.7M22%Noninterest $38.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.12%, down 6 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 1.35% of loans (-30 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 14.78%, up 36 bps from a year ago.
  • Funding: loans stand at 74.58% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.12%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+22 bps YoY

Efficiency Ratio (YTD, annualized)

44.86%-83 bps YoY

Tier 1 Leverage Ratio

14.78%+36 bps YoY

NIM

5.22%Q2 ’245.46%Q2 ’255.49%Q2 ’26+12%+6%

Non-interest income vs. expense

1.83%Q2 ’241.92%Q2 ’251.88%Q2 ’26-8%+15%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.36%1.62%2.18%2.30%2.15%2.46%2.12%-6 bps
Return on Equity10.75%9.83%11.91%16.03%16.59%15.36%17.20%14.69%-134 bps
Net Interest Margin3.19%3.18%3.42%3.51%3.59%3.70%3.75%3.73%+22 bps
Efficiency Ratio48.77%53.32%50.60%45.68%44.37%46.26%41.42%44.86%-83 bps
Non-Interest Burden1.30%1.47%1.52%1.24%1.26%1.40%1.30%1.43%+19 bps
Growth
Asset Growth (YoY)4.12%2.70%8.79%9.97%7.57%5.25%6.77%2.61%-736 bps
Loan Growth (YoY)1.36%5.04%4.78%6.08%3.76%1.83%-0.12%-1.76%-783 bps
Deposit Growth (YoY)7.29%9.73%9.26%9.82%7.10%4.40%6.10%1.84%-797 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.66%1.61%1.65%1.60%1.29%1.59%1.35%-30 bps
Net Charge-Offs / Loans0.12%0.09%0.00%0.03%0.03%0.16%-0.04%-0.03%-6 bps
Allowance / Loans1.38%1.33%1.32%1.30%1.31%1.29%1.32%1.34%+4 bps
Allowance Coverage of NPLs1.1x0.8x0.8x0.8x0.8x1.0x0.8x1.0x+0.2x
Capital
Tier 1 Leverage Ratio14.84%14.11%14.35%14.42%14.86%14.55%14.81%14.78%+36 bps
Total Risk-Based Capital14.84%14.11%14.35%14.42%14.86%14.55%14.81%14.78%+36 bps
Equity / Assets14.31%13.68%13.45%13.71%14.68%14.48%14.09%14.68%+97 bps
Liquidity & Funding
Loans / Deposits80.26%82.55%78.82%77.31%77.76%80.52%74.20%74.58%-273 bps
Liquid Assets / Assets8.38%5.47%6.46%10.14%8.41%5.73%12.56%8.59%-154 bps
CRE / Total Capitaln/an/an/an/a50.41%54.47%53.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens-Farmers Bank of Cole Camp, The

Cole Camp, MO · Cert 11463 · Peer group: banks under $1B in assets in MO (n=82-83)

State charter, Fed member · FED · 2 branches

Q2 2026

$207.0MAssets
$130.7MLoans
$175.3MDeposits
$30.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 92% of banks under $1B in assets in MO (rank 7 of 83).
  • Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets in MO (rank 67 of 82).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.09%

Rank 7 of 83

Net Interest Margin

3.73%

Rank 50 of 83

Efficiency Ratio

44.86%

Rank 12 of 83

Equity / Assets

14.68%

Rank 11 of 83

Non-interest income vs. expense

$0.9M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 87% of banks under $1B in assets in MO
Bank 44.86%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.09%0.96%1.32%1.75%Beats 92%7 / 83
Return on Equity14.21%9.66%12.96%15.76%Beats 66%28 / 83
Net Interest Margin3.73%3.35%3.85%4.16%Beats 40%50 / 83
Efficiency Ratio44.86%49.83%58.83%68.51%Beats 87%12 / 83
Asset Quality
Nonperforming Loans / Loans1.35%0.08%0.51%1.01%Beats 20%67 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 77%21 / 82
Capital
Tier 1 Capital Ratio14.78%11.01%12.49%14.98%Beats 72%23 / 83
Total Risk-Based Capital Ratio14.78%11.13%13.01%15.10%Beats 69%26 / 83
Equity / Assets14.68%8.83%10.71%13.29%Beats 87%11 / 83
Liquidity & Funding
Loans / Deposits74.58%69.28%83.22%91.21%34th pctl54 / 82
Loans / Assets63.15%59.34%71.15%78.36%30th pctl58 / 83
Brokered Deposits / Depositsn/aNot reported for this institution