The Citizens-Farmers Bank of Cole Camp: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens-Farmers Bank of Cole Camp of Cole Camp, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.75% | 1.35% | +0.40% | 76th top |
| ROAE Ahead of the peer average, behind the median peer. | 12.26% | 12.05% | +0.21% | 49th below |
| Net Interest Margin | 4.19% | 3.90% | +0.29% | 64th above |
| Efficiency Ratio | 46.95% | 63.15% | -16.20% | 86th top |
| PPNR / Avg Assets | 2.23% | 1.64% | +0.59% | 81st top |
| Yield on Earning Assets | 6.07% | 5.65% | +0.42% | 71st above |
| Cost of Funds | 2.08% | 1.85% | +0.23% | 33rd below |
| Net Interest Spread | 3.42% | 3.35% | +0.07% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.48% | 0.92% | +0.56% | 19th bottom |
| NPA / Total Assets | 1.37% | 0.67% | +0.70% | 14th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 90.39% | 1645.80% | -1555.41% | 24th bottom |
| Texas Ratio | 8.86% | 7.15% | +1.71% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.78% | 12.46% | +2.32% | 86th top |
| Equity / Assets | 14.68% | 11.67% | +3.01% | 87th top |
| TCE / Tangible Assets | 14.68% | 11.40% | +3.28% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.58% | 78.65% | -4.07% | 62nd above |
| Core Deposit Ratio | 90.78% | 87.09% | +3.69% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.61% | 6.48% | -3.87% | 37th below |
| Loan Growth (Y/Y) | -1.76% | 7.64% | -9.40% | 16th bottom |
| Deposit Growth (Y/Y) | 1.84% | 6.02% | -4.18% | 34th below |
See The Citizens-Farmers Bank of Cole Camp's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens-Farmers Bank of Cole Camp, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens-Farmers Bank of Cole Camp profile, how to read a UBPR, or how this data updates.