The Citizens-Farmers Bank of Cole Camp
Also written as CFB of Cole Camp
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Data as of · sourced from FFIEC call reports. How we update
The Citizens-Farmers Bank of Cole Camp is an FDIC-insured commercial bank headquartered in Cole Camp, MO, supervised by the Federal Reserve, with $207.0M in total assets at Q2 2026, up 2.6% from Q2 2025, the 124th largest of 191 banks headquartered in Missouri. It was established in 1929 and holds FDIC certificate 11463. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11463
- Headquarters
- Cole Camp, MO
- Established
- 1929
- Total assets, Q2 2026
- $207.0M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 14.78%
- Domestic offices
- 2 · The Citizens-Farmers Bank of Cole Camp branches FDIC institution directory, current count
- Routing number
- 101205445
- Safety and soundness
- Is The Citizens-Farmers Bank of Cole Camp safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens-Farmers Bank of Cole Camp Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 124th of 191 in Missouri
The Citizens-Farmers Bank of Cole Camp, based in Cole Camp, Missouri, reported $207 million in assets at June 30, 2026, up 2.6% from a year earlier. It holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $916,000 was 32% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.35% of loans, down from 1.65% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.7% for banks its size.
As of June 30, 2026, The Citizens-Farmers Bank of Cole Camp reported a return on assets of 1.75%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 8.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens-Farmers Bank of Cole Camp is the 124th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $207.0M, loans fell 0.9% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.5% of total loans, followed by agricultural production loans at 12.4%. Its 2 offices in the FDIC Summary of Deposits are in Cole Camp, MO and Stover, MO; its Cole Camp office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens-Farmers Bank of Cole Camp meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 E Main St, Cole Camp, MO 65325
- County
- Benton
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 29, 1929
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $175.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $208.8M
- Average total loans
- $131.8M
- Average interest-bearing deposits
- $138.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11463
- Fed RSSD
- 385547
- Website
- www.citizensfarmersbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Citizens-Farmers Bank of Cole Camp reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Citizens-Farmers Bank of Cole Camp's total assets moved between a low of $178.3M (Q3 2023) and a high of $208.7M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$207.0M total assets against $201.7M; $176.6M total liabilities against $174.1M.
$129.0M net loans and leases against $131.3M; $175.3M total deposits against $172.1M.
$44.1M securities against $36.7M; $21.8M cash and balances due against $22.5M.
$2.9M total interest income against $2.8M; $918K total interest expense against $950K.
$2.0M net interest income against $1.9M.
$249K total noninterest income against $467K; $1.1M total noninterest expense against $971K.
$0 provision for credit losses against $0.
$916K net income against $1.4M.
1.75% return on assets against 2.72%; 4.19% net interest margin against 4.10%.
14.78% tier 1 leverage ratio against 14.42%.
Inside the full The Citizens-Farmers Bank of Cole Camp terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens-Farmers Bank of Cole Camp rankings
Its closest position to the top of a national ranking is 542 of 3,606, for efficiency ratio; its furthest is 2,919 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 2.72% (Q2 2025) and its net interest margin ran from 3.68% (Q4 2024) to 4.27% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 1.75% | 1.35% | 8.30% | 4.19% |
| Q1 2026 | 14.81% | 2.45% | 1.59% | 9.61% | 4.14% |
| Q4 2025 | 14.55% | 1.68% | 1.29% | 8.69% | 4.27% |
| Q3 2025 | 14.86% | 2.51% | 1.60% | 9.65% | 4.23% |
| Q2 2025 | 14.42% | 2.72% | 1.65% | 7.62% | 4.10% |
| Q1 2025 | 14.35% | 1.62% | 1.61% | 7.57% | 3.78% |
| Q4 2024 | 14.11% | 0.96% | 1.66% | 8.01% | 3.68% |
| Q3 2024 | 14.84% | 1.72% | 1.25% | 5.56% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens-Farmers Bank of Cole Camp | Cole Camp , MO | 65325 | $120.2M |
| Stover Banking Center | Stover , MO | 65078 | $55.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 151 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $187K approved, $94K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens-Farmers Bank of Cole Camp
What are The Citizens-Farmers Bank of Cole Camp's total assets?
As of the Q2 2026 filing, The Citizens-Farmers Bank of Cole Camp reported total assets of $207.0 million in its FFIEC call report.
Where is The Citizens-Farmers Bank of Cole Camp headquartered?
It is headquartered in Cole Camp, MO, United States.
When was The Citizens-Farmers Bank of Cole Camp founded?
It was established in 1929, per the FDIC institution directory.
Is The Citizens-Farmers Bank of Cole Camp FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens-Farmers Bank of Cole Camp?
The Citizens-Farmers Bank of Cole Camp's primary federal regulator is the Federal Reserve.
How many branches does The Citizens-Farmers Bank of Cole Camp operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens-Farmers Bank of Cole Camp's Texas Ratio?
Its Texas Ratio is 8.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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