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Community Bank of Missouri

Richmond, MO · Cert 57141 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Missouri Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$94.1MAssets
$65.5MLoans
$80.6MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 4 of 40).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 39).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 12 of 40

Net Interest Margin

5.19%

Rank 4 of 40

Efficiency Ratio

56.93%

Rank 18 of 40

Equity / Assets

13.80%

Rank 7 of 40

Non-interest income vs. expense

$0.5M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 57% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 56.93%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%1.02%1.39%1.86%Beats 70%12 / 40
Return on Equity13.17%10.74%14.78%21.32%Beats 30%28 / 40
Net Interest Margin5.19%3.33%4.05%4.63%Beats 90%4 / 40
Efficiency Ratio56.93%51.70%58.10%69.29%Beats 57%18 / 40
Asset Quality
Nonperforming Loans / Loans1.98%0.05%0.20%1.11%Beats 10%36 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 51%20 / 39
Capital
Tier 1 Capital Ratio16.21%11.32%12.27%16.94%Beats 73%11 / 40
Total Risk-Based Capital Ratio17.06%11.32%13.09%17.63%Beats 73%11 / 40
Equity / Assets13.80%8.41%10.10%12.34%Beats 83%7 / 40
Liquidity & Funding
Loans / Deposits81.28%73.50%85.60%94.85%48th pctl21 / 40
Loans / Assets69.58%62.75%69.87%79.23%48th pctl21 / 40
Brokered Deposits / Depositsn/aNot reported for this institution