BlastPoint's Banking Scorecard
The Citizens-Farmers Bank of Cole Camp
Cole Camp, MO
2 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +1.8% year over year ($175.3M on the books).
- Delinquency rate 1.37%.
- Return on assets 2.12%.
- Efficiency ratio 44.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens-Farmers Bank of Cole Camp has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.62% below tier average
- + ROA 0.79% above tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.0M
+2.6% YoY
-0.8% QoQ
|
-$179.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$129.0M
-1.8% YoY
-0.9% QoQ
|
-$129.4M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$175.3M
+1.8% YoY
-1.4% QoQ
|
-$151.5M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
2.12%
-3.0% YoY
-13.8% QoQ
|
+0.79% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 10.9% in tier |
| Net Interest Margin ? |
4.14%
+6.0% YoY
+1.6% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
44.86%
-1.8% YoY
+8.3% QoQ
|
-19.62% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 8.7% in tier |
| Delinquency Rate ? |
1.37%
-18.0% YoY
-14.9% QoQ
|
+0.45% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
73.58%
-3.6% YoY
+0.5% QoQ
|
-4.37% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.03%
-0.4% YoY
+4.9% QoQ
|
+0.00% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.29%
+16.1% YoY
-10.2% QoQ
|
+0.62% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
14.78%
+2.5% YoY
-0.2% QoQ
|
-1.13% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.23%
-31.8% YoY
+114.5% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
-0.1pp YoY +1.0pp QoQ |
-0.1pp | 22.1% | 20.9% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.2%
-0.4pp YoY 0.0pp QoQ |
-4.4pp | 11.6% | 12.3% | 12.5% | 34% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
53.2%
-1.1pp YoY +0.6pp QoQ |
+20.6pp | 32.6% | 31.9% | 31.3% | 85% |
| Consumer |
8.5%
+0.1pp YoY +0.1pp QoQ |
+4.4pp | 4.1% | 4.1% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
14.8%
+0.4pp YoY 0.0pp QoQ |
+2.6pp | 12.2% | 11.6% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
-2 (-6.2%) YoY +1 (+3.4%) QoQ |
-29 | 58 | 162 | 482 | 26% |
| Assets per Employee ($) |
$6.9M
+9.4% YoY -4.2% QoQ |
-$619K | $7.5M | $8.0M | $8.8M | 50% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.4pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 17% |
| Nonaccrual |
1.4%
-0.3pp YoY +0.1pp QoQ |
+0.4pp | 0.9% | 0.8% | 1.0% | 80% |
| Allowance Coverage |
0.99x
+25.5% YoY +19.0% QoQ |
-23.17x | 24.15x | 10.47x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
-1.3pp YoY -2.5pp QoQ |
+2.5pp | 12.2% | 14.3% | 11.6% | 66% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 67% |
| Net Income ($, YTD) |
$2.2M
+1.7% YoY — QoQ |
-$396K | $2.6M | $11.3M | $40.4M | 55% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.