Marshall, MO · Cert 1060 · Wood&Huston Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Cape Girardeau, MO-IL · 2026 SOD (annual) · 10.7% share · #2 of 17 inst. · $0.4B of $3.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.06% | 1.26% | 1.43% | 1.52% | 1.47% | 1.58% | 1.64% | +21 bps | |
| Return on Equity | 12.45% | 12.37% | 14.35% | 15.62% | 16.01% | 15.48% | 15.70% | 15.79% | +17 bps | |
| Net Interest Margin | 2.83% | 2.84% | 3.07% | 3.27% | 3.40% | 3.42% | 3.51% | 3.64% | +38 bps | |
| Efficiency Ratio | 59.38% | 59.62% | 57.18% | 53.90% | 52.04% | 53.81% | 49.07% | 49.34% | -456 bps | |
| Non-Interest Burden | 1.39% | 1.41% | 1.47% | 1.43% | 1.43% | 1.51% | 1.35% | 1.43% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 3.49% | 2.95% | 2.62% | 2.02% | 2.24% | 1.92% | 3.53% | +92 bps | |
| Loan Growth (YoY) | 0.45% | 1.25% | 0.47% | 2.32% | 1.57% | 3.38% | 2.68% | 6.20% | +388 bps | |
| Deposit Growth (YoY) | 3.10% | 3.49% | 2.07% | 1.33% | -0.76% | 0.89% | 0.46% | 1.36% | +4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.10% | 0.21% | 0.07% | 0.09% | 0.09% | 0.14% | -7 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.17% | 0.03% | 0.04% | 0.05% | 0.06% | 0.04% | 0.06% | +1 bps | |
| Allowance / Loans | 1.32% | 1.34% | 1.36% | 1.33% | 1.34% | 1.32% | 1.35% | 1.31% | -2 bps | |
| Allowance Coverage of NPLs | 29.2x | 29.6x | 13.2x | 6.4x | 18.4x | 15.2x | 15.0x | 9.4x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 9.88% | 10.00% | 10.72% | 11.23% | 10.80% | 11.02% | 11.55% | +83 bps | |
| Total Risk-Based Capital | 13.38% | 13.21% | 13.68% | 13.96% | 14.68% | 13.84% | 14.70% | 14.57% | +61 bps | |
| Equity / Assets | 9.23% | 8.36% | 9.24% | 9.87% | 10.44% | 9.60% | 10.57% | 10.96% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.80% | 81.21% | 85.32% | 87.90% | 88.84% | 83.21% | 87.20% | 92.10% | +419 bps | |
| Liquid Assets / Assets | 4.36% | 8.36% | 4.97% | 3.84% | 4.72% | 8.26% | 5.94% | 2.76% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 276% | 261% | n/a | n/a | |