The Citizens-Farmers Bank of Cole Camp: how it compares with its peers
Against 93 MO banks with half to twice its assets, The Citizens-Farmers Bank of Cole Camp's strongest measure in Q2 2026 is efficiency ratio (44.86% vs. a 59.85% peer median). Its weakest relative measure is net interest margin (4.14% vs. 4.04%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.34% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.04% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.86% | 59.85% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.1M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.58% | 80.50% | Context |
What it means for lending operations
Its efficiency ratio of 44.86% is better than the 59.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Carroll County Trust Company of Carrollton, Missouri Carrollton, MO · $208M
- Bank Northwest Hamilton, MO · $210M
- The Corner Stone Bank South West City, MO · $211M
- Bank 21 Carrollton, MO · $202M
- 1st Advantage Bank Saint Peters, MO · $212M
Questions about The Citizens-Farmers Bank of Cole Camp
How big is The Citizens-Farmers Bank of Cole Camp?
The Citizens-Farmers Bank of Cole Camp, established in 1929, is headquartered in Cole Camp, MO. It reported $207M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens-Farmers Bank of Cole Camp's return on assets?
2.12% annualized in Q2 2026, against a 1.34% median for 93 MO banks with half to twice its assets, ahead of 82% of them.
What is The Citizens-Farmers Bank of Cole Camp's efficiency ratio?
44.86% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 59.85%, and lower is better.
Is The Citizens-Farmers Bank of Cole Camp growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.