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Community First Banking Company

West Plains, MO · Cert 34610 · Community Bancshares W Plains

State charter, non-member · FDIC · 4 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

55

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

Community First Banking Company

West Plains, MO · Cert 34610 · Community Bancshares W Plains

State charter, non-member · FDIC · 4 branches

Q2 2026

$307.3MAssets
$236.7MLoans
$262.2MDeposits
$28.2MEquity
Loan mix
86%RE $188.3M12%C&I $26.4M2%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $210.8M20%Noninterest $51.4MQ2 2025Q2 2026

NIM

4.72%Q2 ’245.01%Q2 ’255.18%Q2 ’26+9%+12%

Non-interest income vs. expense

2.34%Q2 ’242.27%Q2 ’252.30%Q2 ’26-4%0%

Executive Summary

  • Earnings: ROA of 1.13%, up 8 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.31%, up 11 bps from a year ago.
  • Funding: loans stand at 90.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+37 bps YoY

Efficiency Ratio (YTD, annualized)

57.46%-563 bps YoY

Tier 1 Leverage Ratio

10.31%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.09%1.16%1.16%1.13%+8 bps
Return on Equity12.47%12.72%13.26%12.72%12.36%-12 bps
Net Interest Margin3.02%3.04%3.12%3.33%3.39%+37 bps
Efficiency Ratio63.08%61.86%60.09%58.72%57.46%-563 bps
Non-Interest Burden1.69%1.66%1.64%1.68%1.68%-1 bps
Growth
Asset Growth (YoY)11.87%9.02%5.73%5.83%2.11%-976 bps
Loan Growth (YoY)9.19%6.32%8.44%5.93%8.50%-68 bps
Deposit Growth (YoY)12.92%9.77%5.06%5.54%1.32%-1,160 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.00%0.00%0.00%-5 bps
Net Charge-Offs / Loans0.21%0.13%0.14%0.22%0.11%-10 bps
Allowance / Loans0.85%0.87%0.84%0.86%0.88%+3 bps
Allowance Coverage of NPLs16.6x106.6xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.20%10.30%10.64%10.24%10.31%+11 bps
Total Risk-Based Capital10.20%10.30%10.64%10.24%10.31%+11 bps
Equity / Assets8.38%9.04%9.35%8.87%9.19%+80 bps
Liquidity & Funding
Loans / Deposits84.30%85.65%88.29%85.06%90.28%+597 bps
Liquid Assets / Assets7.75%7.82%5.74%8.93%5.10%-265 bps
CRE / Total Capitaln/a105.77%112.40%112.29%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

Community First Banking Company

West Plains, MO · Cert 34610 · Peer group: banks under $1B in assets in MO (n=82-83) · Community Bancshares W Plains

State charter, non-member · FDIC · 4 branches

Q2 2026

$307.3MAssets
$236.7MLoans
$262.2MDeposits
$28.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in MO (rank 73 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.13%

Rank 52 of 83

Net Interest Margin

3.39%

Rank 60 of 83

Efficiency Ratio

57.46%

Rank 38 of 83

Equity / Assets

9.19%

Rank 56 of 83

Non-interest income vs. expense

$2.0M$7.3MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 55% of banks under $1B in assets in MO
Bank 57.46%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.96%1.32%1.75%Beats 37%52 / 83
Return on Equity12.27%9.66%12.96%15.76%Beats 43%47 / 83
Net Interest Margin3.39%3.35%3.85%4.16%Beats 28%60 / 83
Efficiency Ratio57.46%49.83%58.83%68.51%Beats 55%38 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.51%1.01%Beats 100%10 / 82
Net Charge-Offs / Loans0.05%0.00%0.01%0.06%Beats 29%59 / 82
Capital
Tier 1 Capital Ratio10.31%11.01%12.49%14.98%Beats 14%71 / 83
Total Risk-Based Capital Ratio10.31%11.13%13.01%15.10%Beats 12%73 / 83
Equity / Assets9.19%8.83%10.71%13.29%Beats 33%56 / 83
Liquidity & Funding
Loans / Deposits90.28%69.28%83.22%91.21%72nd pctl23 / 82
Loans / Assets77.02%59.34%71.15%78.36%67th pctl27 / 83
Brokered Deposits / Depositsn/aNot reported for this institution