Community Point Bank: 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.
Reserve coverage of non-performing loans dropped 739.96 percentage points in Q2 2026, from 3491.04% to 2751.09%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Point Bank is 72nd of 192 on return on assets, 1.67% 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. Community Point Bank sits 0.41 points higher, at 1.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.97% |
| Tier 1 risk-based capital ratio | 9.97% |
| Total risk-based capital ratio | 11.19% |
| Tier 1 leverage ratio | 8.20% |
| Equity capital to assets | 7.58% |
| Tangible equity to tangible assets | 7.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.64% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 2751.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 20.63% |
| Net interest margin | 3.64% |
| Efficiency ratio | 43.34% |
| Yield on earning assets | 6.42% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.35% |
| Core deposits to total deposits | 92.12% |
| Brokered deposits to total deposits | 0.35% |
| Deposits to assets | 87.57% |
| Securities to assets | 8.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 12.00% | 13.21% | 9.30% | 1.38% |
| Q4 2023 | 11.12% | 11.12% | 12.31% | 8.95% | 1.20% |
| Q1 2024 | 11.65% | 11.65% | 12.87% | 8.88% | 1.18% |
| Q2 2024 | 11.16% | 11.16% | 12.28% | 8.88% | 1.40% |
| Q3 2024 | 11.80% | 11.80% | 13.03% | 9.09% | 1.28% |
| Q4 2024 | 10.01% | 10.01% | 11.13% | 8.40% | 1.35% |
| Q1 2025 | 10.29% | 10.29% | 11.46% | 8.37% | 1.49% |
| Q2 2025 | 10.39% | 10.39% | 11.55% | 8.63% | 1.76% |
| Q3 2025 | 10.27% | 10.27% | 11.44% | 8.62% | 1.87% |
| Q4 2025 | 9.08% | 9.08% | 10.25% | 7.96% | 1.97% |
| Q1 2026 | 11.46% | 11.46% | 12.62% | 9.47% | 1.71% |
| Q2 2026 | 9.97% | 9.97% | 11.19% | 8.20% | 1.67% |
Community Point Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Point Bank, 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14604) · FFIEC NIC profile (RSSD 527057)