Community Point Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Point Bank is an FDIC-insured commercial bank headquartered in Russellville, MO, established in 1934 (FDIC certificate 14604), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $259.7M, up 18.8% from Q2 2025, the 106th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.97% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14604
- Headquarters
- Russellville, MO
- Established
- 1934
- Total assets, Q2 2026
- $259.7M
- Assets vs Q2 2025
- +18.8%
- CET1 ratio, Q2 2026
- 9.97%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081511990
- Holding company
- RUSSELLVILLE BANCORP, INC.
- Asset rank in state
- 106th of 191 in Missouri
Community Point Bank runs leaner than most banks of its size. Its balance sheet stood at $260 million at June 30, 2026, up 18.8% from a year earlier; it is based in Russellville, Missouri. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 14% from a year earlier, to $1.1 million. Over the same year, loans grew 21.7% and deposits grew 16.4%. Where it has less room is capital: it holds common equity equal to 9.97% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Community Point Bank reported a CET1 capital ratio of 9.97%, a return on assets of 1.67%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.64%. The figures come from its call report filed with the FFIEC.
Community Point Bank ranks as the 106th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $259.7M, loans rose 4.7% and deposits rose 3.5%. Farmland and other real estate loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.6%. Its 3 offices in the FDIC Summary of Deposits are in Russellville, MO, Eugene, MO and Versailles, MO; its Russellville office books 64% of its branch deposits. Judged on its Q2 2026 call report, Community Point Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13218 Railroad Avenue, Russellville, MO 65074
- County
- Cole
- Metro Area
- Jefferson City, MO
- 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
- July 19, 1934
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $227.4M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $154K
- Average total assets
- $258.7M
- Average total loans
- $210.6M
- Average interest-bearing deposits
- $196.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 28, 1934
- FDIC Cert
- 14604
- Fed RSSD
- 527057
- Website
- www.ourcpb.bank →
- Parent Holding Company
- RUSSELLVILLE BANCORP, INC. (RSSD 3658028)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Community Point Bank's total assets ranged from $169.3M (Q3 2023) to $259.7M (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
$259.7M total assets against $218.6M; $240.0M total liabilities against $202.0M.
$212.1M net loans and leases against $174.3M; $227.4M total deposits against $195.4M.
$23.1M securities against $24.9M; $14.5M cash and balances due against $10.3M.
$4.0M total interest income against $3.3M; $1.7M total interest expense against $1.5M.
$2.3M net interest income against $1.9M.
$80K total noninterest income against $63K; $1.0M total noninterest expense against $939K.
$215K provision for credit losses against $70K.
$1.1M net income against $946K.
1.67% return on assets against 1.76%; 3.64% net interest margin against 3.66%.
9.97% CET1 capital ratio against 10.39%; 8.20% tier 1 leverage ratio against 8.63%.
Inside the full Community Point Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Point Bank rankings
Its closest position to the top of a national ranking is 340 of 3,606, for efficiency ratio; its furthest is 2,101 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 1.97% (Q4 2025) and its net interest margin ran from 3.46% (Q3 2024) to 3.96% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.97% | 1.67% | 0.07% | 0.64% | 3.64% |
| Q1 2026 | 11.46% | 1.71% | 0.03% | 0.27% | 3.67% |
| Q4 2025 | 9.08% | 1.97% | 0.24% | 2.54% | 3.96% |
| Q3 2025 | 10.27% | 1.87% | 0.27% | 2.46% | 3.84% |
| Q2 2025 | 10.39% | 1.76% | 0.19% | 1.77% | 3.66% |
| Q1 2025 | 10.29% | 1.49% | 0.37% | 3.56% | 3.49% |
| Q4 2024 | 10.01% | 1.35% | 0.20% | 2.04% | 3.51% |
| Q3 2024 | 11.80% | 1.28% | 0.35% | 3.12% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 Point Bank (main office) | Russellville , MO | 65074 | $145.0M |
| Eugene Branch | Eugene , MO | 65032 | $45.0M |
| Community Point Bank Versailles | Versailles , MO | 65084 | $37.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 133 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 83 applications, 80 loans originated, $18.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Point Bank
What are Community Point Bank's total assets?
As of the Q2 2026 filing, Community Point Bank reported total assets of $259.7 million in its FFIEC call report.
Where is Community Point Bank headquartered?
It is headquartered in Russellville, MO, United States.
When was Community Point Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Community Point Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14604). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Point Bank?
Community Point Bank's primary federal regulator is the FDIC.
What is Community Point Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.97% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Community Point Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Point Bank's Texas Ratio?
Its Texas Ratio is 0.64% 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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