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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

$307.3MAssets
$236.7MLoans
$262.2MDeposits
$28.2MEquity
Loan mix
86%RE $188.3M12%C&I $26.4M2%Consumer $4.6MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $210.8M20%Noninterest $51.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.09%, up 4 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (quarter, annualized)

1.09%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+38 bps YoY

Efficiency Ratio (quarter, annualized)

56.25%-630 bps YoY

Tier 1 Leverage Ratio

10.31%+11 bps YoY

NIM

4.86%Q2 ’245.16%Q2 ’255.29%Q2 ’26+9%+12%

Non-interest income vs. expense

2.40%Q2 ’242.32%Q2 ’252.31%Q2 ’26-5%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.05%1.04%1.06%1.17%1.34%1.16%1.09%+4 bps
Return on Equity10.30%11.99%12.36%12.66%13.39%14.56%12.72%12.12%-55 bps
Net Interest Margin2.99%2.99%2.98%3.12%3.19%3.35%3.33%3.51%+38 bps
Efficiency Ratio65.69%60.54%63.64%62.55%59.57%55.26%58.72%56.25%-630 bps
Non-Interest Burden1.76%1.57%1.68%1.74%1.66%1.56%1.68%1.71%-2 bps
Growth
Asset Growth (YoY)5.45%10.89%9.78%11.87%9.02%5.73%5.83%2.11%-976 bps
Loan Growth (YoY)12.58%12.45%11.85%9.19%6.32%8.44%5.93%8.50%-68 bps
Deposit Growth (YoY)0.13%7.35%3.67%12.92%9.77%5.06%5.54%1.32%-1,160 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.01%0.05%0.01%0.00%0.00%0.00%-5 bps
Net Charge-Offs / Loans0.00%0.00%0.39%0.03%-0.01%0.18%0.22%0.01%-3 bps
Allowance / Loans0.93%0.97%0.85%0.85%0.87%0.84%0.86%0.88%+3 bps
Allowance Coverage of NPLsn/a52.1x101.2x16.6x106.6xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.80%10.44%10.19%10.20%10.30%10.64%10.24%10.31%+11 bps
Total Risk-Based Capital10.80%10.44%10.19%10.20%10.30%10.64%10.24%10.31%+11 bps
Equity / Assets9.10%8.50%8.33%8.38%9.04%9.35%8.87%9.19%+80 bps
Liquidity & Funding
Loans / Deposits88.43%85.54%84.74%84.30%85.65%88.29%85.06%90.28%+597 bps
Liquid Assets / Assets3.03%6.74%7.24%7.75%7.82%5.74%8.93%5.10%-265 bps
CRE / Total Capitaln/an/an/an/a105.77%112.40%112.29%n/an/a