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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 1.13%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.90%1.04%1.05%1.09%1.16%1.16%1.13%+8 bps
Return on Equity9.68%10.37%12.36%12.47%12.72%13.26%12.72%12.36%-12 bps
Net Interest Margin2.86%2.78%2.98%3.02%3.04%3.12%3.33%3.39%+37 bps
Efficiency Ratio68.26%66.19%63.64%63.08%61.86%60.09%58.72%57.46%-563 bps
Non-Interest Burden1.77%1.65%1.68%1.69%1.66%1.64%1.68%1.68%-1 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 / Loans0.01%0.01%0.39%0.21%0.13%0.14%0.22%0.11%-10 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