| Metric | Mid-Missouri Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.9% | -2.7 pts |
| Deposit growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | +3.2% | +5.3% | -2.1 pts |
| ROA | 1.63% | 1.28% | +0.3 pts |
| ROE | 15.6% | 12.4% | +3.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $946.7M | $844.3M | $671.8M | $100.0M | $7.6M | 1.63% | 4.53% | 0.05% |
| Q1 2026 | $937.6M | $836.9M | $655.6M | $97.5M | $3.9M | 1.67% | 4.45% | 0.06% |
| Q4 2025 | $927.3M | $826.9M | $650.9M | $95.8M | $13.2M | 1.41% | 4.45% | 0.19% |
| Q3 2025 | $936.8M | $837.2M | $645.0M | $95.8M | $10.6M | 1.52% | 4.41% | 0.21% |
| Q2 2025 | $926.4M | $828.2M | $650.9M | $95.1M | $7.5M | 1.60% | 4.39% | 0.26% |
| Q1 2025 | $939.2M | $844.0M | $644.6M | $91.8M | $3.5M | 1.51% | 4.29% | 0.30% |
| Q4 2024 | $934.0M | $842.2M | $648.9M | $87.8M | $11.9M | 1.29% | 4.20% | 0.39% |
| Q3 2024 | $948.4M | $857.0M | $646.1M | $88.0M | $9.3M | 1.34% | 4.15% | 0.65% |
Loan mix (Q2 2026): real estate $606.1M · commercial $33.4M · consumer $6.6M · securities $137.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mid-Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 61.2% | 42th |
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 | Mid-Missouri 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 | Mid-Missouri 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 | Mid-Missouri 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 | Mid-Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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