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Community Bank of Memphis

Memphis, MO · Cert 35094 · 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
Loan mix
84%RE $18.3M9%C&I $1.9M8%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $41.4M25%Noninterest $13.7MQ2 2025Q2 2026

NIM

3.75%Q2 ’243.99%Q2 ’254.27%Q2 ’260%+9%

Non-interest income vs. expense

2.05%Q2 ’241.74%Q2 ’251.75%Q2 ’26-13%+1%

Executive Summary

  • Earnings: ROA of 1.08%, up 17 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.39%, down 21 bps from a year ago.
  • Funding: loans stand at 44.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.08%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+25 bps YoY

Efficiency Ratio (YTD, annualized)

55.34%-418 bps YoY

Tier 1 Leverage Ratio

12.39%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.03%1.09%1.03%1.08%+17 bps
Return on Equity6.79%7.65%8.16%7.64%8.04%+125 bps
Net Interest Margin2.84%2.97%2.97%3.12%3.09%+25 bps
Efficiency Ratio59.52%56.39%54.80%56.34%55.34%-418 bps
Non-Interest Burden1.62%1.60%1.55%1.69%1.65%+2 bps
Growth
Asset Growth (YoY)18.44%18.31%18.93%1.83%7.41%-1,102 bps
Loan Growth (YoY)-6.77%1.40%-4.28%-7.58%-6.96%-19 bps
Deposit Growth (YoY)19.57%19.69%19.77%0.74%7.46%-1,211 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans2.72%2.63%2.86%2.99%3.05%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.61%12.84%12.65%12.57%12.39%-21 bps
Total Risk-Based Capital12.61%12.84%12.65%12.57%12.39%-21 bps
Equity / Assets13.33%13.71%13.34%13.49%13.29%-3 bps
Liquidity & Funding
Loans / Deposits51.82%54.05%47.10%47.05%44.86%-696 bps
Liquid Assets / Assets20.22%20.46%21.50%26.08%18.25%-197 bps
CRE / Total Capitaln/a42.32%41.57%44.04%n/an/a