Bank Comparison
Citizens-farmers Bank of Cole Camp, the vs First Missouri Bank of SEMO
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| CET1 Ratio | — | 11.37% |
| Tier 1 Capital Ratio | — | 11.37% |
| Total Capital Ratio | — | 12.63% |
| Tier 1 Leverage Ratio | 14.81% | 8.55% |
| Equity / Assets | 14.09% | 9.15% |
Profitability
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| Return on Assets (ROA) | 2.45% | 1.38% |
| Return on Equity (ROE) | 17.20% | 16.11% |
| Net Interest Margin (NIM) | 4.14% | 4.51% |
| Yield on Earning Assets | 6.08% | 6.27% |
| Cost of Funds | 2.13% | 1.93% |
Asset quality
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| Texas Ratio | 9.75% | 0.70% |
| Non-Performing Loan Ratio | 1.24% | 0.02% |
| Non-Performing Asset Ratio | 1.21% | 0.02% |
| Net Charge-Off Ratio | -0.04% | 0.00% |
| ACL / Loans | 1.32% | 1.88% |
Balance sheet
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| Total Assets | $208,742K | $210,887K |
| Total Deposits | $177,711K | $190,269K |
| Total Loans | $131,856K | $188,706K |
| Total Equity | $29,416K | $19,289K |
| Net Income (quarter) | $1,243K | $776 |
Liquidity & funding
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| Loan-to-Deposit Ratio | 74.20% | 99.18% |
| Core Deposit Ratio | 90.89% | 90.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens-farmers Bank of Cole Camp, the | First Missouri Bank of SEMO |
|---|---|---|
| Headquarters City | COLE CAMP | Kennett |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 29 | 41 |
| Established | March 29, 1929, midnight | Jan. 18, 1965, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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