Community Bank and Trust
Neosho, MO · Cert 13068 · Peer group: banks under $1B in assets (n=581-629) · Community Bancshares Employee STK Ownership Plan
State charter, Fed member · FED · 13 branches
Q2 2026
$445.1MAssets
$205.5MLoans
$394.4MDeposits
$37.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 86% of banks under $1B in assets (rank 89 of 629).
- Widest gap: equity / assets trails 85% of banks under $1B in assets (rank 537 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.87%
Rank 383 of 629
Net Interest Margin
3.41%
Rank 358 of 629
Efficiency Ratio
74.85%
Rank 421 of 629
Equity / Assets
8.31%
Rank 537 of 629
Non-interest income vs. expense
Unfavorable gap of $10.1M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.60% | 1.01% | 1.45% | Beats 39% | 383 / 629 | | |
| Return on Equity | 10.48% | 5.38% | 9.30% | 13.28% | Beats 56% | 276 / 629 | | |
| Net Interest Margin | 3.41% | 3.03% | 3.54% | 4.05% | Beats 43% | 358 / 629 | | |
| Efficiency Ratio | 74.85% | 58.35% | 67.79% | 79.08% | Beats 33% | 421 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 71% | 170 / 581 | | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 30% | 405 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 27.64% | 11.24% | 13.84% | 18.77% | Beats 85% | 92 / 629 | | |
| Total Risk-Based Capital Ratio | 28.89% | 11.58% | 14.43% | 19.66% | Beats 86% | 89 / 629 | | |
| Equity / Assets | 8.31% | 9.09% | 10.65% | 13.80% | Beats 15% | 537 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.11% | 67.24% | 80.90% | 93.48% | 12th pctl | 525 / 594 | | |
| Loans / Assets | 46.17% | 53.31% | 67.71% | 78.15% | 17th pctl | 520 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |