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
Unfavorable gap of $3.0M · efficiency ratio beats 87% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.09% | 0.96% | 1.32% | 1.75% | Beats 92% | 7 / 83 | |
| Return on Equity | 14.21% | 9.66% | 12.96% | 15.76% | Beats 66% | 28 / 83 | |
| Net Interest Margin | 3.73% | 3.35% | 3.85% | 4.16% | Beats 40% | 50 / 83 | |
| Efficiency Ratio | 44.86% | 49.83% | 58.83% | 68.51% | Beats 87% | 12 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.08% | 0.51% | 1.01% | Beats 20% | 67 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 77% | 21 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 14.78% | 11.01% | 12.49% | 14.98% | Beats 72% | 23 / 83 | |
| Total Risk-Based Capital Ratio | 14.78% | 11.13% | 13.01% | 15.10% | Beats 69% | 26 / 83 | |
| Equity / Assets | 14.68% | 8.83% | 10.71% | 13.29% | Beats 87% | 11 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 74.58% | 69.28% | 83.22% | 91.21% | 34th pctl | 54 / 82 | |
| Loans / Assets | 63.15% | 59.34% | 71.15% | 78.36% | 30th pctl | 58 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |