The Bank of Old Monroe
Total assets
$994.6M
▲ +11.2% YoY
Deposits
$916.6M
▲ +9.7% YoY
Loans
$657.5M
▲ +20.7% YoY
Offices
5
CUIVRE RIVER BANCSHARES INC
ROA (annualized)
1.62%
peers 1.28%
ROE (annualized)
23.45%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Bank of Old Monroe | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.9% | +6.3 pts |
| Deposit growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| Loan growth (YoY) | +20.7% | +5.3% | +15.3 pts |
| ROA | 1.62% | 1.28% | +0.3 pts |
| ROE | 23.4% | 12.4% | +11.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
Profile
- Established
- 1906
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CUIVRE RIVER BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2100 Highway C, Old Monroe, MO, 63369
- County
- Lincoln
- Metro area
- St. Louis, MO-IL
- Offices
- 5
- FDIC cert #
- 1655
- RSSD ID
- 880855
- 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 | $994.6M | $916.6M | $657.5M | $70.4M | $8.0M | 1.62% | 3.66% | 0.00% |
| Q1 2026 | $994.6M | $924.2M | $644.3M | $64.2M | $4.3M | 1.77% | 3.70% | 0.05% |
| Q4 2025 | $950.6M | $840.9M | $623.9M | $68.9M | $19.5M | 2.12% | 3.85% | 0.03% |
| Q3 2025 | $953.3M | $859.7M | $596.4M | $60.7M | $14.8M | 2.17% | 3.76% | 0.00% |
| Q2 2025 | $894.5M | $835.5M | $544.8M | $50.5M | $9.9M | 2.20% | 3.70% | 0.00% |
| Q1 2025 | $926.5M | $866.6M | $525.7M | $49.7M | $4.8M | 2.14% | 3.56% | 0.00% |
| Q4 2024 | $879.8M | $815.7M | $531.1M | $49.5M | $17.2M | 2.14% | 3.73% | 0.00% |
| Q3 2024 | $847.8M | $775.3M | $495.0M | $52.8M | $12.8M | 2.17% | 3.71% | 0.00% |
Loan mix (Q2 2026): real estate $557.1M · commercial $94.0M · consumer $2.6M · securities $284.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Bank of Old Monroe | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 23.4% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.89% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 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 Old Monroe | 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 Old Monroe | 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 Old Monroe | 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 Old Monroe | 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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