Community Point Bank: how it compares with its peers
Against 93 MO banks with half to twice its assets, Community Point Bank's strongest measure in Q2 2026 is assets per employee ($10.4M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.77% vs. 4.12%).
| Measure | Community Point Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.38% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 4.12% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.58% | 59.76% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.4M | $6.1M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.24% | 84.05% | Context |
What it means for lending operations
Its efficiency ratio of 44.58% is better than the 59.76% 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
- Community First Bank Butler, MO · $259M
- Alliant Bank Madison, MO · $256M
- Lamar Bank and Trust Company Lamar, MO · $269M
- Arlo Bank Springfield, MO · $269M
- Community Bank of Marshall Marshall, MO · $250M
- First State Bank of the Ozarks Purdy, MO · $249M
Questions about Community Point Bank
How big is Community Point Bank?
Community Point Bank, established in 1934, is headquartered in Russellville, MO. It reported $260M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Community Point Bank's return on assets?
1.70% annualized in Q2 2026, against a 1.38% median for 93 MO banks with half to twice its assets, ahead of 60% of them.
What is Community Point Bank's efficiency ratio?
44.58% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is Community Point Bank growing its loans?
Net loans grew 21.7% over the year to Q2 2026, while deposits grew 16.4%.
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.