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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

$207.0MAssets
$130.7MLoans
$175.3MDeposits
$30.4MEquity
Loan mix
82%RE $94.1M8%C&I $9.4M10%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $136.7M22%Noninterest $38.6MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.66%Q2 ’255.58%Q2 ’26+15%+2%

Non-interest income vs. expense

1.87%Q2 ’241.96%Q2 ’252.07%Q2 ’26-28%+56%

Executive Summary

  • Earnings: ROA of 1.76%, down 96 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 1.35% of loans (-30 bps YoY), with net recoveries of 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.76%-96 bps YoY

Net Interest Margin (quarter, annualized)

3.82%+8 bps YoY

Efficiency Ratio (quarter, annualized)

48.11%+631 bps YoY

Tier 1 Leverage Ratio

14.78%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.72%2.51%1.68%2.46%1.76%-96 bps
Return on Equity20.03%17.69%11.52%17.20%12.26%-778 bps
Net Interest Margin3.74%3.84%3.87%3.75%3.82%+8 bps
Efficiency Ratio41.80%41.86%51.84%41.42%48.11%+631 bps
Non-Interest Burden1.02%1.33%1.79%1.30%1.59%+57 bps
Growth
Asset Growth (YoY)9.97%7.57%5.25%6.77%2.61%-736 bps
Loan Growth (YoY)6.08%3.76%1.83%-0.12%-1.76%-783 bps
Deposit Growth (YoY)9.82%7.10%4.40%6.10%1.84%-797 bps
Asset Quality
Nonperforming Loans / Loans1.65%1.60%1.29%1.59%1.35%-30 bps
Net Charge-Offs / Loans0.05%0.04%0.56%-0.04%-0.02%-7 bps
Allowance / Loans1.30%1.31%1.29%1.32%1.34%+4 bps
Allowance Coverage of NPLs0.8x0.8x1.0x0.8x1.0x+0.2x
Capital
Tier 1 Leverage Ratio14.42%14.86%14.55%14.81%14.78%+36 bps
Total Risk-Based Capital14.42%14.86%14.55%14.81%14.78%+36 bps
Equity / Assets13.71%14.68%14.48%14.09%14.68%+97 bps
Liquidity & Funding
Loans / Deposits77.31%77.76%80.52%74.20%74.58%-273 bps
Liquid Assets / Assets10.14%8.41%5.73%12.56%8.59%-154 bps
CRE / Total Capitaln/a50.41%54.47%53.67%n/an/a