BlastPoint's Banking Scorecard
The Citizens-Farmers Bank of Cole Camp
Cole Camp, MO
2 branches across MO
The Citizens-Farmers Bank of Cole Camp has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5.9% in tier
- + Efficiency Ratio 23.86% below tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.7M
+6.8% YoY
+6.4% QoQ
|
-$177.3M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$130.1M
-0.1% YoY
-1.5% QoQ
|
-$125.6M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$177.7M
+6.1% YoY
+7.0% QoQ
|
-$150.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
2.46%
+52.1% YoY
+14.2% QoQ
|
+1.19% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 5.2% in tier |
| Net Interest Margin ? |
4.08%
+9.0% YoY
+0.1% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
41.42%
-18.1% YoY
-10.5% QoQ
|
-23.86% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 5.3% in tier |
| Delinquency Rate ? |
1.61%
-1.1% YoY
+23.7% QoQ
|
+0.73% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
73.22%
-5.9% YoY
-7.9% QoQ
|
-3.42% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
21.00%
-4.7% YoY
-3.1% QoQ
|
-1.02% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.43%
+32.1% YoY
+7.5% QoQ
|
+0.80% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
14.81%
+3.2% YoY
+1.8% QoQ
|
-1.02% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.11%
+1.0% YoY
-81.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
56% |
Get Full Access to The Citizens-Farmers Bank of Cole Camp
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.