| Metric | Regional Missouri Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.9% | +1.1 pts |
| Deposit growth (YoY) | +8.1% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +10.7% | +5.3% | +5.4 pts |
| ROA | 2.26% | 1.28% | +1.0 pts |
| ROE | 20.7% | 12.4% | +8.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.4M | $500.7M | $463.3M | $65.9M | $6.6M | 2.26% | 4.44% | 0.06% |
| Q1 2026 | $583.6M | $499.4M | $463.2M | $63.4M | $2.8M | 1.97% | 4.36% | 0.06% |
| Q4 2025 | $574.0M | $490.9M | $445.1M | $62.1M | $9.0M | 1.59% | 4.03% | 0.05% |
| Q3 2025 | $562.1M | $454.7M | $433.0M | $61.1M | $7.1M | 1.67% | 3.92% | 0.03% |
| Q2 2025 | $563.5M | $463.3M | $418.3M | $58.1M | $4.6M | 1.61% | 3.82% | 0.03% |
| Q1 2025 | $570.3M | $455.8M | $415.7M | $56.7M | $2.3M | 1.60% | 3.69% | 0.07% |
| Q4 2024 | $564.8M | $453.4M | $416.8M | $54.8M | $8.8M | 1.67% | 3.65% | 0.05% |
| Q3 2024 | $534.6M | $431.0M | $417.8M | $54.4M | $5.7M | 1.47% | 3.65% | 0.06% |
Loan mix (Q2 2026): real estate $357.9M · commercial $45.3M · consumer $9.0M · securities $73.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Regional Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 1.28% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 61.2% | 23th |
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 | Regional 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 | Regional 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 | Regional 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 | Regional 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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