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Letter portraitLegal landscape

Community Bank of Pleasant Hill

Pleasant Hill, MO · Cert 58423 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Arcadia Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$133.4MAssets
$54.0MLoans
$125.0MDeposits
$8.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the Kansas City, MO-KS area (rank 37 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.09%

Rank 29 of 40

Net Interest Margin

3.00%

Rank 36 of 40

Efficiency Ratio

70.06%

Rank 32 of 40

Equity / Assets

6.06%

Rank 37 of 40

Non-interest income vs. expense

$2.4M$4.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 70.06%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%1.02%1.39%1.86%Beats 28%29 / 40
Return on Equity17.90%10.74%14.78%21.32%Beats 65%14 / 40
Net Interest Margin3.00%3.33%4.05%4.63%Beats 10%36 / 40
Efficiency Ratio70.06%51.70%58.10%69.29%Beats 22%32 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.05%0.20%1.11%Beats 100%8 / 39
Net Charge-Offs / Loans0.06%n/a0.00%0.05%Beats 23%31 / 39
Capital
Tier 1 Capital Ratio25.14%11.32%12.27%16.94%Beats 93%3 / 40
Total Risk-Based Capital Ratio25.43%11.32%13.09%17.63%Beats 90%4 / 40
Equity / Assets6.06%8.41%10.10%12.34%Beats 8%37 / 40
Liquidity & Funding
Loans / Deposits43.20%73.50%85.60%94.85%5th pctl38 / 40
Loans / Assets40.49%62.75%69.87%79.23%5th pctl38 / 40
Brokered Deposits / Depositsn/aNot reported for this institution