| Metric | The Seymour Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.7M | $194.3M | $142.0M | $19.7M | $1.2M | 1.02% | 3.80% | 0.29% |
| Q1 2026 | $225.0M | $185.7M | $135.4M | $18.6M | $583K | 1.00% | 3.56% | 0.32% |
| Q4 2025 | $240.2M | $200.0M | $132.4M | $19.6M | $1.8M | 0.78% | 3.45% | 0.38% |
| Q3 2025 | $223.9M | $179.6M | $132.6M | $18.4M | $1.3M | 0.77% | 3.46% | 0.00% |
| Q2 2025 | $223.3M | $183.1M | $130.9M | $16.7M | $802K | 0.70% | 3.34% | 0.01% |
| Q1 2025 | $223.1M | $186.5M | $129.8M | $15.8M | $380K | 0.66% | 3.20% | 0.01% |
| Q4 2024 | $240.6M | $204.1M | $130.1M | $15.6M | $1.1M | 0.50% | 3.02% | 0.01% |
| Q3 2024 | $224.5M | $186.4M | $129.0M | $17.1M | $802K | 0.49% | 3.02% | 0.01% |
Loan mix (Q2 2026): real estate $127.9M · commercial $5.2M · consumer $6.9M · securities $66.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Seymour Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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 Seymour 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 Seymour 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 Seymour 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 Seymour 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 Seymour 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.
3 branches in 1 county across 1 state (+0 vs 2024) · $183.1M branch deposits. Biggest market: Webster, MO, ranked 1st with 30.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Webster, MO | 3 | $183.1M | 30.22% | 1st |
Missouri: 162nd with 0.06% · Springfield metro: 23rd, 0.99% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3