| Metric | The Missouri Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +4.4% | -6.2 pts |
| Deposit growth (YoY) | -3.6% | +4.0% | -7.6 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 18.3% | 11.9% | +6.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $461.5M | $403.2M | $310.2M | $57.5M | $5.1M | 2.14% | 3.93% | 0.09% |
| Q1 2026 | $474.3M | $418.1M | $310.5M | $55.6M | $2.6M | 2.09% | 3.81% | 0.09% |
| Q4 2025 | $502.0M | $446.0M | $315.9M | $54.9M | $7.7M | 1.64% | 3.76% | 0.07% |
| Q3 2025 | $469.0M | $413.8M | $301.5M | $54.0M | $6.3M | 1.80% | 3.74% | 0.07% |
| Q2 2025 | $470.0M | $418.2M | $295.4M | $50.8M | $3.9M | 1.68% | 3.65% | 0.04% |
| Q1 2025 | $455.9M | $405.1M | $285.9M | $49.9M | $1.8M | 1.57% | 3.57% | 0.06% |
| Q4 2024 | $468.4M | $419.6M | $274.5M | $48.1M | $6.5M | 1.51% | 3.41% | 0.03% |
| Q3 2024 | $423.9M | $374.0M | $267.1M | $49.2M | $4.9M | 1.54% | 3.42% | 0.03% |
Loan mix (Q2 2026): real estate $298.1M · commercial $11.8M · consumer $2.0M · securities $97.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 11.9% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 62.9% | 10th |
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 | The 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 | The Missouri Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The 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 | The 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 | The 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.
7 branches in 5 counties across 1 state (+0 vs 2024) · $418.2M branch deposits. Biggest market: Warren, MO, ranked 1st with 23.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, MO | 1 | $223.3M | 23.42% | 1st |
| St. Charles, MO | 2 | $82.3M | 0.68% | 35th |
| Pettis, MO | 2 | $71.2M | 6.60% | 6th |
| 2 more counties with Pro → | ||||
Missouri: 91st with 0.15% · St. Louis metro: 66th, 0.21% · Columbia metro: 34th, 0.11% ·
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7