Bank of New Cambria
New Cambria, MO · Cert 10626 · Peer group: banks under $1B in assets in MO (n=87-88)
FDIC · 2 branches
Q3 2025
$31.9MAssets
$9.8MLoans
$27.8MDeposits
$3.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 8 of 87).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in MO (rank 83 of 87).
- Overall: at or above the peer median on 6 of 10 directional measures.
Return on Assets
0.72%
Rank 72 of 88
Net Interest Margin
3.76%
Rank 39 of 88
Efficiency Ratio
80.41%
Rank 80 of 88
Equity / Assets
12.38%
Rank 26 of 88
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 10% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.82% | 1.17% | 1.53% | Beats 18% | 72 / 88 | | |
| Return on Equity | 5.78% | 8.01% | 11.73% | 15.41% | Beats 10% | 78 / 87 | | |
| Net Interest Margin | 3.76% | 3.08% | 3.66% | 4.01% | Beats 56% | 39 / 88 | | |
| Efficiency Ratio | 80.41% | 52.34% | 59.82% | 68.21% | Beats 10% | 80 / 88 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.11% | 0.47% | 1.43% | Beats 100% | 8 / 87 | | |
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.03% | 0.09% | Beats 6% | 83 / 87 | | |
| Capital |
| Tier 1 Capital Ratio | 14.38% | 11.25% | 12.74% | 14.70% | Beats 69% | 27 / 88 | | |
| Total Risk-Based Capital Ratio | 14.38% | 11.44% | 13.26% | 15.49% | Beats 64% | 32 / 88 | | |
| Equity / Assets | 12.38% | 8.71% | 10.45% | 13.30% | Beats 70% | 26 / 88 | | |
| Liquidity & Funding |
| Loans / Deposits | 35.07% | 68.81% | 78.22% | 90.36% | 1st pctl | 86 / 87 | | |
| Loans / Assets | 30.64% | 59.65% | 68.82% | 77.84% | 1st pctl | 86 / 87 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 1.43% | Beats 100% | 54 / 87 | n/a | |