The Citizens-Farmers Bank of Cole Camp: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.41 percentage points lower than in Q1 2026, at 90.39%. Within Missouri, The Citizens-Farmers Bank of Cole Camp is 65th of 192 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens-Farmers Bank of Cole Camp sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.78% |
| Equity capital to assets | 14.68% |
| Tangible equity to tangible assets | 14.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.48% |
| Non-performing assets ratio | 1.37% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 8.86% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 90.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 12.26% |
| Net interest margin | 4.19% |
| Efficiency ratio | 46.95% |
| Yield on earning assets | 6.07% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.58% |
| Core deposits to total deposits | 90.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.68% |
| Securities to assets | 21.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.78% | 1.45% | 3.42% | 1.23% | -0.01% |
| Q4 2023 | 14.29% | 0.96% | 3.56% | 1.09% | 0.14% |
| Q1 2024 | 14.26% | 1.45% | 3.30% | 1.17% | -0.01% |
| Q2 2024 | 14.66% | 1.28% | 3.58% | 1.36% | 0.39% |
| Q3 2024 | 14.84% | 1.72% | 3.76% | 1.32% | -0.02% |
| Q4 2024 | 14.11% | 0.96% | 3.68% | 1.64% | 0.00% |
| Q1 2025 | 14.35% | 1.62% | 3.78% | 1.70% | 0.00% |
| Q2 2025 | 14.42% | 2.72% | 4.10% | 1.81% | 0.05% |
| Q3 2025 | 14.86% | 2.51% | 4.23% | 1.54% | 0.04% |
| Q4 2025 | 14.55% | 1.68% | 4.27% | 1.32% | 0.57% |
| Q1 2026 | 14.81% | 2.45% | 4.14% | 1.24% | -0.04% |
| Q2 2026 | 14.78% | 1.75% | 4.19% | 1.48% | -0.02% |
The Citizens-Farmers Bank of Cole Camp vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens-Farmers Bank of Cole Camp, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens-Farmers Bank of Cole Camp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11463) · FFIEC NIC profile (RSSD 385547)