| Metric | Four States Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +95.9% | +4.4% | +91.5 pts |
| Deposit growth (YoY) | +127.8% | +4.0% | +123.9 pts |
| Loan growth (YoY) | +116.9% | +5.6% | +111.4 pts |
| ROA | 0.03% | 1.24% | -1.2 pts |
| ROE | 0.1% | 11.9% | -11.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.1M | $114.3M | $102.2M | $21.3M | $16K | 0.03% | 4.21% | 0.00% |
| Q1 2026 | $116.5M | $92.7M | $85.3M | $21.3M | $2K | 0.01% | 4.07% | 0.00% |
| Q4 2025 | $95.3M | $71.5M | $69.8M | $21.3M | $-954K | -1.32% | 4.36% | 0.00% |
| Q3 2025 | $80.7M | $58.3M | $56.1M | $21.6M | $-669K | -1.34% | 4.42% | 0.00% |
| Q2 2025 | $72.5M | $50.1M | $47.1M | $21.7M | $-539K | -1.73% | 4.31% | 0.00% |
| Q1 2025 | $61.8M | $39.1M | $34.5M | $22.0M | $-178K | -1.25% | 4.50% | 0.00% |
| Q4 2024 | $52.2M | $29.3M | $22.5M | $22.2M | $-1.7M | -4.42% | 1.66% | 0.00% |
| Q3 2024 | $25.1M | $2.2M | $8.1M | $22.8M | $-1.1M | -5.85% | 0.65% | 0.00% |
Loan mix (Q2 2026): real estate $86.1M · commercial $15.6M · consumer $132K · securities $5.8M
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 11.9% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 62.9% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Four States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 2.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
4 branches in 2 counties across 1 state (+1 vs 2025) · $114.3M branch deposits. Biggest market: Jasper, MO, ranked 13th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jasper, MO | 3 | $68.1M | 2.32% | 13th |
| Greene, MO | 1 | $46.2M | 0.30% | 37th |
Missouri: 215th with 0.04% · Joplin metro: 18th, 1.34% · Springfield metro: 43rd, 0.24% ·
Branch count: 2025 3 · 2026 4