Community Bank of Memphis
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Memphis is an FDIC-insured commercial bank headquartered in Memphis, MO, established in 1999 (FDIC certificate 35094), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $63.7M, up 7.4% from Q2 2025, the 187th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35094
- Headquarters
- Memphis, MO
- Established
- 1999
- Total assets, Q2 2026
- $63.7M
- Assets vs Q2 2025
- +7.4%
- Tier 1 leverage ratio, Q2 2026
- 12.39%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081518333
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Memphis call report
- Holding company
- MEMPHIS BANCSHARES, INC.
- Asset rank in state
- 187th of 191 in Missouri
Community Bank of Memphis, based in Memphis, Missouri, reported $64 million in assets at June 30, 2026, up 7.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). It also shrank its loan book 7.0% over the year, lower than about three-quarters of banks its size (median 2.6%).
Net income for the quarter rose 16% from a year earlier, to $178,000. Over the same year, loans shrank 7.0% and deposits grew 7.5%. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.91 cents).
As of June 30, 2026, Community Bank of Memphis reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Community Bank of Memphis ranks as the 187th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.7% to $63.7M, loans fell 0.9% and deposits rose 4.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.1% of total loans, ahead of farmland and other real estate loans at 24.0%. Its one office in the FDIC Summary of Deposits is in Memphis, MO. On its Q2 2026 call report, Community Bank of Memphis meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 E Madison St, Memphis, MO 63555
- County
- Scotland
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 20, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $55.0M
- Allowance for credit losses
- $752K
- Net charge-offs (YTD)
- $0
- Average total assets
- $64.5M
- Average total loans
- $24.9M
- Average interest-bearing deposits
- $40.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 20, 1999
- FDIC Cert
- 35094
- Fed RSSD
- 2724766
- Parent Holding Company
- MEMPHIS BANCSHARES, INC. (RSSD 2765853)
- Ultimate Parent
- CLARK COUNTY BANCSHARES, INC. (RSSD 1097995)
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, Community Bank of Memphis reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Bank of Memphis's total assets ran between $48.6M (Q1 2024) and $63.7M (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
$63.7M total assets against $59.3M; $55.2M total liabilities against $51.4M.
$23.9M net loans and leases against $25.8M; $55.0M total deposits against $51.2M.
$16.9M securities against $16.6M; $21.0M cash and balances due against $15.0M.
$709K total interest income against $631K; $202K total interest expense against $182K.
$507K net interest income against $449K.
$17K total noninterest income against $19K; $285K total noninterest expense against $262K.
$7K provision for credit losses against $7K.
$178K net income against $154K.
1.10% return on assets against 1.03%; 3.33% net interest margin against 3.20%.
12.39% tier 1 leverage ratio against 12.61%.
Inside the full Community Bank of Memphis terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2024) to 1.28% (Q4 2025) and its net interest margin ran from 2.97% (Q3 2024) to 3.47% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.39% | 1.10% | 0.00% | 0.00% | 3.33% |
| Q1 2026 | 12.57% | 1.03% | 0.00% | 0.00% | 3.26% |
| Q4 2025 | 12.65% | 1.28% | 0.00% | 0.00% | 3.47% |
| Q3 2025 | 12.84% | 1.25% | 0.00% | 0.00% | 3.41% |
| Q2 2025 | 12.61% | 1.03% | 0.00% | 0.00% | 3.20% |
| Q1 2025 | 13.38% | 0.78% | 0.00% | 0.00% | 3.01% |
| Q4 2024 | 13.94% | 0.86% | 0.00% | 0.00% | 3.04% |
| Q3 2024 | 14.38% | 0.62% | 0.00% | 0.00% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Community Bank of Memphis (main office) | Memphis , MO | 63555 | $55.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 226 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Community Bank of Memphis
What are Community Bank of Memphis's total assets?
As of the Q2 2026 filing, Community Bank of Memphis reported total assets of $63.7 million in its FFIEC call report.
Where is Community Bank of Memphis headquartered?
It is headquartered in Memphis, MO, United States.
When was Community Bank of Memphis founded?
It was established in 1999, per the FDIC institution directory.
Is Community Bank of Memphis FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Memphis?
Community Bank of Memphis's primary federal regulator is the FDIC.
How many branches does Community Bank of Memphis operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Memphis's Texas Ratio?
Its Texas Ratio is 0.00% 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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