Wood & Huston Bank
Marshall, MO · Cert 1060 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Wood&Huston Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$1.2BAssets
$996.3MLoans
$1.1BDeposits
$135.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
- Widest gap: net charge-offs / loans trails 63% of banks $1B-$10B in assets operating in a single state (rank 163 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.65%
Rank 41 of 258
Net Interest Margin
3.64%
Rank 99 of 258
Efficiency Ratio
49.34%
Rank 46 of 257
Equity / Assets
10.96%
Rank 97 of 258
Non-interest income vs. expense
Unfavorable gap of $17.7M · efficiency ratio beats 82% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.23% | 1.54% | Beats 84% | 41 / 258 | | |
| Return on Equity | 15.08% | 9.26% | 11.84% | 14.74% | Beats 76% | 61 / 258 | | |
| Net Interest Margin | 3.64% | 3.16% | 3.49% | 3.88% | Beats 62% | 99 / 258 | | |
| Efficiency Ratio | 49.34% | 51.71% | 60.30% | 69.65% | Beats 82% | 46 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.46% | 0.90% | Beats 81% | 50 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 37% | 163 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.34% | 11.41% | 12.98% | 15.12% | Beats 53% | 121 / 258 | | |
| Total Risk-Based Capital Ratio | 14.57% | 12.10% | 13.91% | 16.08% | Beats 57% | 110 / 258 | | |
| Equity / Assets | 10.96% | 9.09% | 10.24% | 11.72% | Beats 62% | 97 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.10% | 73.24% | 86.34% | 95.95% | 67th pctl | 85 / 258 | | |
| Loans / Assets | 80.79% | 63.01% | 72.27% | 78.40% | 81st pctl | 48 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |