| Metric | State Bank of Missouri | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.4% | -9.8 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.3 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 16.5% | 11.9% | +4.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.3M | $122.1M | $82.0M | $11.2M | $906K | 1.32% | 3.83% | 1.11% |
| Q1 2026 | $139.4M | $127.6M | $81.0M | $10.8M | $467K | 1.35% | 3.73% | 1.00% |
| Q4 2025 | $138.1M | $126.2M | $80.0M | $11.0M | $1.7M | 1.21% | 3.67% | 0.97% |
| Q3 2025 | $139.1M | $127.4M | $79.3M | $10.9M | $1.3M | 1.26% | 3.58% | 1.20% |
| Q2 2025 | $142.0M | $130.4M | $78.9M | $10.7M | $818K | 1.15% | 3.43% | 1.46% |
| Q1 2025 | $146.6M | $135.3M | $78.5M | $10.3M | $384K | 1.07% | 3.27% | 1.37% |
| Q4 2024 | $139.3M | $128.5M | $76.7M | $9.9M | $1.3M | 0.93% | 3.12% | 1.33% |
| Q3 2024 | $143.7M | $132.5M | $76.1M | $10.3M | $1.0M | 0.93% | 3.04% | 0.56% |
Loan mix (Q2 2026): real estate $71.9M · commercial $3.5M · consumer $2.2M · securities $39.8M
| Ratio | State Bank of Missouri | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 62.9% | 33th |
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 | State Bank of Missouri | 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 | State Bank of Missouri | 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 | State Bank of Missouri | 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 | State Bank of Missouri | 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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