PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.7MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $41.4M25%Noninterest $13.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.14%, up 11 bps year over year; NIM at 3.18%.
  • 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.

Return on Assets (quarter, annualized)

1.14%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+13 bps YoY

Efficiency Ratio (quarter, annualized)

54.39%-159 bps YoY

Tier 1 Leverage Ratio

12.39%-21 bps YoY

NIM

3.80%Q2 ’244.24%Q2 ’254.39%Q2 ’26+7%+4%

Non-interest income vs. expense

1.96%Q2 ’241.76%Q2 ’251.77%Q2 ’26-11%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.88%0.75%1.03%1.26%1.30%1.03%1.14%+11 bps
Return on Equity4.29%6.10%5.65%7.93%9.30%9.62%7.64%8.50%+57 bps
Net Interest Margin2.82%2.88%2.85%3.05%3.26%3.32%3.12%3.18%+13 bps
Efficiency Ratio70.27%61.28%63.61%55.98%50.99%50.66%56.34%54.39%-159 bps
Non-Interest Burden1.91%1.70%1.75%1.63%1.57%1.61%1.69%1.66%+3 bps
Growth
Asset Growth (YoY)1.46%5.26%24.12%18.44%18.31%18.93%1.83%7.41%-1,102 bps
Loan Growth (YoY)2.24%1.10%-1.21%-6.77%1.40%-4.28%-7.58%-6.96%-19 bps
Deposit Growth (YoY)-0.41%4.83%26.50%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.06%0.00%0.00%-0.02%0.00%0.00%0 bps
Allowance / Loans2.57%2.64%2.65%2.72%2.63%2.86%2.99%3.05%+33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.38%13.94%13.38%12.61%12.84%12.65%12.57%12.39%-21 bps
Total Risk-Based Capital14.38%13.94%13.38%12.61%12.84%12.65%12.57%12.39%-21 bps
Equity / Assets14.76%14.10%12.66%13.33%13.71%13.34%13.49%13.29%-3 bps
Liquidity & Funding
Loans / Deposits63.79%58.92%51.29%51.82%54.05%47.10%47.05%44.86%-696 bps
Liquid Assets / Assets9.04%12.59%22.91%20.22%20.46%21.50%26.08%18.25%-197 bps
CRE / Total Capitaln/an/an/an/a42.32%41.57%44.04%n/an/a