Community Bank of Memphis: how it compares with its peers
Against 31 MO banks with half to twice its assets, Community Bank of Memphis's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.37% vs. 4.02%).
| Measure | Community Bank of Memphis | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.07% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 4.02% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.34% | 65.26% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.5M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.50% | 72.64% | Context |
What it means for lending operations
Its efficiency ratio of 55.34% is better than the 65.26% 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
- America's Community Bank Blue Springs, MO · $64M
- Montrose Savings Bank Montrose, MO · $63M
- First Security Bank Union Star, MO · $62M
- The Bank of Houston Houston, MO · $67M
- Bank of Iberia Iberia, MO · $74M
- FMB Bank Wright City, MO · $51M
Questions about Community Bank of Memphis
How big is Community Bank of Memphis?
Community Bank of Memphis, established in 1999, is headquartered in Memphis, MO. It reported $64M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Bank of Memphis's return on assets?
1.08% annualized in Q2 2026, against a 1.07% median for 31 MO banks with half to twice its assets, ahead of 52% of them.
What is Community Bank of Memphis's efficiency ratio?
55.34% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 65.26%, and lower is better.
Is Community Bank of Memphis growing its loans?
Net loans shrank 7.3% over the year to Q2 2026, while deposits grew 7.5%.
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.