The Bank of Advance
Total assets
$509.9M
▲ +2.5% YoY
Deposits
$438.7M
▲ +2.2% YoY
Loans
$401.8M
▲ +3.3% YoY
Offices
7
MILES BANCSHARES INC
ROA (annualized)
2.42%
peers 1.28%
ROE (annualized)
19.57%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Bank of Advance | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +3.3% | +5.3% | -2.1 pts |
| ROA | 2.42% | 1.28% | +1.1 pts |
| ROE | 19.6% | 12.4% | +7.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FED
- Holding company
- MILES BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 105 E Gabriel St, Advance, MO, 63730
- County
- Stoddard
- Offices
- 7
- FDIC cert #
- 9369
- RSSD ID
- 879644
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $509.9M | $438.7M | $401.8M | $66.9M | $6.2M | 2.42% | 4.87% | 0.61% |
| Q1 2026 | $510.5M | $440.2M | $396.3M | $63.7M | $3.1M | 2.39% | 4.74% | 0.70% |
| Q4 2025 | $526.4M | $458.8M | $395.4M | $61.0M | $11.1M | 2.23% | 4.63% | 1.35% |
| Q3 2025 | $499.7M | $427.2M | $396.4M | $65.5M | $8.6M | 2.32% | 4.62% | 0.62% |
| Q2 2025 | $497.7M | $429.5M | $389.1M | $61.5M | $5.5M | 2.25% | 4.56% | 0.59% |
| Q1 2025 | $492.1M | $426.8M | $382.0M | $58.7M | $2.7M | 2.22% | 4.45% | 0.53% |
| Q4 2024 | $486.5M | $424.1M | $374.3M | $55.6M | $10.7M | 2.19% | 4.33% | 0.67% |
| Q3 2024 | $485.8M | $417.4M | $370.7M | $61.1M | $8.1M | 2.23% | 4.28% | 0.52% |
Loan mix (Q2 2026): real estate $300.2M · commercial $42.2M · consumer $28.2M · securities $75.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Bank of Advance | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.89% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 61.2% | 13th | |
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% |
Balance sheet
| Ratio | The Bank of Advance | 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% |
Capital
| Ratio | The Bank of Advance | 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% |
Credit quality
| Ratio | The Bank of Advance | 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% |
Franchise
| Ratio | The Bank of Advance | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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