Community Bank of Memphis
Memphis, MO · Cert 35094 · Peer group: banks under $1B in assets in MO (n=82-83) · Clark County Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
$63.7MAssets
$24.7MLoans
$55.0MDeposits
$8.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
- Widest gap: net interest margin trails 87% of banks under $1B in assets in MO (rank 72 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 57 of 83
Net Interest Margin
3.09%
Rank 72 of 83
Efficiency Ratio
55.34%
Rank 35 of 83
Equity / Assets
13.29%
Rank 21 of 83
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 59% 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 | 1.06% | 0.96% | 1.32% | 1.75% | Beats 31% | 57 / 83 | |
| Return on Equity | 7.98% | 9.66% | 12.96% | 15.76% | Beats 18% | 68 / 83 | |
| Net Interest Margin | 3.09% | 3.35% | 3.85% | 4.16% | Beats 13% | 72 / 83 | |
| Efficiency Ratio | 55.34% | 49.83% | 58.83% | 68.51% | Beats 59% | 35 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 11.01% | 12.49% | 14.98% | Beats 47% | 44 / 83 | |
| Total Risk-Based Capital Ratio | 12.39% | 11.13% | 13.01% | 15.10% | Beats 41% | 49 / 83 | |
| Equity / Assets | 13.29% | 8.83% | 10.71% | 13.29% | Beats 75% | 21 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 44.86% | 69.28% | 83.22% | 91.21% | 2nd pctl | 80 / 82 | |
| Loans / Assets | 38.76% | 59.34% | 71.15% | 78.36% | 4th pctl | 80 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |