Community Bank of Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Missouri of Richmond, MO against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.88% | 3.13% | -1.25% | 81st top |
| ROAE | 13.79% | 10.29% | +3.50% | 76th top |
| Net Interest Margin | 5.51% | 3.93% | +1.58% | 95th top |
| Efficiency Ratio | 54.63% | 76.37% | -21.74% | 80th top |
| PPNR / Avg Assets | 2.54% | 1.40% | +1.14% | 91st top |
| Yield on Earning Assets | 6.64% | 5.35% | +1.29% | 90th top |
| Cost of Funds | 1.24% | 1.70% | -0.46% | 67th above |
| Net Interest Spread | 4.96% | 3.32% | +1.64% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.24% | 1.34% | -0.10% | 26th below |
| NPA / Total Assets | 0.87% | 0.71% | +0.16% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 30th below |
| ACL / NPLs (Coverage) | 82.21% | 868.19% | -785.98% | 34th below |
| Texas Ratio | 9.51% | 8.26% | +1.25% | 21st bottom |
| Provision / NCO | 2400.00% | 276.52% | +2123.48% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.21% | 62.42% | -46.21% | 29th below |
| Tier 1 Ratio | 16.21% | 62.43% | -46.22% | 29th below |
| Total Capital Ratio | 17.06% | 63.40% | -46.34% | 28th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.86% | 17.65% | -3.79% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.80% | 16.45% | -2.65% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.80% | 16.20% | -2.40% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.28% | 72.81% | +8.47% | 29th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.10% | 88.27% | +1.83% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.26% | 4.26% | +0.00% | 59th above |
| Loan Growth (Y/Y) | 16.76% | 6.73% | +10.03% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.66% | 3.72% | -0.06% | 58th above |
See Community Bank of Missouri's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Missouri, 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 Community Bank of Missouri profile, how to read a UBPR, or how this data updates.