| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | +4.5% | +5.1% | -0.5 pts |
| Loan growth (YoY) | +6.3% | +5.9% | +0.4 pts |
| ROA | 1.03% | 1.26% | -0.2 pts |
| ROE | 15.1% | 12.2% | +2.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $1.04B | $633.8M | $85.3M | $6.3M | 1.03% | 3.82% | 0.13% |
| Q1 2026 | $1.22B | $1.06B | $624.4M | $81.6M | $3.0M | 0.98% | 3.76% | 0.11% |
| Q4 2025 | $1.23B | $1.07B | $625.2M | $83.3M | $11.4M | 0.97% | 3.67% | 0.10% |
| Q3 2025 | $1.16B | $1.00B | $608.9M | $77.9M | $8.0M | 0.92% | 3.64% | 0.12% |
| Q2 2025 | $1.15B | $998.7M | $596.0M | $70.6M | $5.3M | 0.92% | 3.58% | 0.09% |
| Q1 2025 | $1.16B | $1.01B | $581.1M | $66.2M | $2.6M | 0.89% | 3.49% | 0.11% |
| Q4 2024 | $1.16B | $1.03B | $575.2M | $61.4M | $7.0M | 0.62% | 3.18% | 0.16% |
| Q3 2024 | $1.11B | $969.3M | $558.8M | $68.3M | $4.8M | 0.57% | 3.12% | 0.16% |
Loan mix (Q2 2026): real estate $479.3M · commercial $51.3M · consumer $95.4M · securities $473.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Southwest Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.26% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 59.0% | 77th |
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 | Southwest 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 | Southwest 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 | Southwest 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 | Southwest Missouri 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.