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
Unfavorable gap of $5.3M · efficiency ratio beats 55% 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 | 1.13% | 0.96% | 1.32% | 1.75% | Beats 37% | 52 / 83 | |
| Return on Equity | 12.27% | 9.66% | 12.96% | 15.76% | Beats 43% | 47 / 83 | |
| Net Interest Margin | 3.39% | 3.35% | 3.85% | 4.16% | Beats 28% | 60 / 83 | |
| Efficiency Ratio | 57.46% | 49.83% | 58.83% | 68.51% | Beats 55% | 38 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 29% | 59 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 10.31% | 11.01% | 12.49% | 14.98% | Beats 14% | 71 / 83 | |
| Total Risk-Based Capital Ratio | 10.31% | 11.13% | 13.01% | 15.10% | Beats 12% | 73 / 83 | |
| Equity / Assets | 9.19% | 8.83% | 10.71% | 13.29% | Beats 33% | 56 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 90.28% | 69.28% | 83.22% | 91.21% | 72nd pctl | 23 / 82 | |
| Loans / Assets | 77.02% | 59.34% | 71.15% | 78.36% | 67th pctl | 27 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |