Community Bank of Missouri: how it compares with its peers
Against 63 MO banks with half to twice its assets, Community Bank of Missouri's strongest measure in Q2 2026 is net interest margin (5.54% vs. a 3.89% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.0M).
| Measure | Community Bank of Missouri | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.19% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.54% | 3.89% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.93% | 63.37% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.0M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.44% | 72.79% | Context |
What it means for lending operations
Its efficiency ratio of 56.93% is better than the 63.37% 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
- Flat Branch Bank Richmond, MO · $93M
- United Security Bank Fulton, MO · $97M
- Silex Banking Company Silex, MO · $98M
- Investors Community Bank Chillicothe, MO · $98M
- West Plains Savings and Loan Association West Plains, MO · $101M
Questions about Community Bank of Missouri
How big is Community Bank of Missouri?
Community Bank of Missouri, established in 2001, is headquartered in Richmond, MO. It reported $94M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Community Bank of Missouri's return on assets?
1.83% annualized in Q2 2026, against a 1.19% median for 63 MO banks with half to twice its assets, ahead of 78% of them.
What is Community Bank of Missouri's efficiency ratio?
56.93% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 63.37%, and lower is better.
Is Community Bank of Missouri growing its loans?
Net loans grew 16.8% over the year to Q2 2026, while deposits grew 3.7%.
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.