Community Bank of Memphis: 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.
Loan-to-deposit ratio dropped 2.19 percentage points in Q2 2026, from 47.05% to 44.86%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Bank of Memphis is 139th of 192 on return on assets, 1.10% as of Q2 2026, below the middle of the field. Community Bank of Memphis reported 1.10% on return on assets for Q2 2026, 0.12 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.39% |
| Equity capital to assets | 13.29% |
| Tangible equity to tangible assets | 12.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 3.05% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 8.50% |
| Net interest margin | 3.33% |
| Efficiency ratio | 54.39% |
| Yield on earning assets | 4.65% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.86% |
| Core deposits to total deposits | 95.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 26.51% |
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 | 13.61% | 0.75% | 3.08% | 0.03% | 0.00% |
| Q4 2023 | 13.76% | 0.78% | 3.02% | 0.00% | 0.12% |
| Q1 2024 | 13.91% | 0.66% | 3.01% | 0.00% | -0.12% |
| Q2 2024 | 14.14% | 0.68% | 2.98% | 0.00% | 0.00% |
| Q3 2024 | 14.38% | 0.62% | 2.97% | 0.00% | 0.00% |
| Q4 2024 | 13.94% | 0.86% | 3.04% | 0.00% | 0.00% |
| Q1 2025 | 13.38% | 0.78% | 3.01% | 0.00% | 0.06% |
| Q2 2025 | 12.61% | 1.03% | 3.20% | 0.00% | 0.00% |
| Q3 2025 | 12.84% | 1.25% | 3.41% | 0.00% | 0.00% |
| Q4 2025 | 12.65% | 1.28% | 3.47% | 0.00% | -0.01% |
| Q1 2026 | 12.57% | 1.03% | 3.26% | 0.00% | 0.00% |
| Q2 2026 | 12.39% | 1.10% | 3.33% | 0.00% | 0.00% |
Community Bank of Memphis vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Memphis, 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 Community Bank of Memphis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35094) · FFIEC NIC profile (RSSD 2724766)