BlastPoint's Banking Scorecard
The Citizens-Farmers Bank of Cole Camp
Micro
Specialty: Other
MO
FDIC cert 11463
Designations: ✓ Community bank
Cole Camp, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Citizens-Farmers Bank of Cole Camp shows strong momentum with 2 strengths and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.07% above tier
- + Efficiency Ratio 21.46% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.1M
+5.2% YoY
-1.8% QoQ
|
-$21.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$132.0M
+1.9% YoY
+2.0% QoQ
|
-$7.1M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$166.1M
+4.4% YoY
-1.5% QoQ
|
-$17.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.15%
+58.5% YoY
-6.6% QoQ
|
+1.07% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.08%
+14.8% YoY
+1.5% QoQ
|
+0.22% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
46.26%
-13.2% YoY
+4.3% QoQ
|
-21.46% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
1.30%
-22.5% YoY
-19.5% QoQ
|
+0.66% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
79.48%
-2.4% YoY
+3.6% QoQ
|
+4.95% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
21.67%
-3.4% YoY
+0.5% QoQ
|
-0.73% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.33%
+14.0% YoY
-11.0% QoQ
|
+0.88% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.58%
+16.8% YoY
+26.9% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.15%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.26%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 46.26% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.48% · Tier avg: 74.53%
54
54th pctile
Total Loans
Current: $132.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $196.1M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $166.1M · Tier avg: $183.7M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.67% · Tier avg: 22.39%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.45%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.67% · Tier avg: 22.39%
50
50th pctile
Total Deposits
Current: $166.1M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $196.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $132.0M · Tier avg: $139.2M
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.48% · Tier avg: 74.53%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.26% · Tier avg: 67.73%