Rothville, MO · Cert 10628 · Bor Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #88 of 114 inst. · $0.1B of $99.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.91% | 0.88% | 0.97% | 0.98% | +17 bps | |
| Return on Equity | 23.54% | 24.60% | 22.60% | 20.97% | 21.36% | -218 bps | |
| Net Interest Margin | 3.00% | 3.27% | 3.30% | 3.23% | 3.28% | +28 bps | |
| Efficiency Ratio | 68.57% | 66.63% | 68.15% | 66.37% | 66.98% | -158 bps | |
| Non-Interest Burden | 1.95% | 2.04% | 2.12% | 2.03% | 2.08% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.30% | -5.54% | -1.23% | 0.27% | 1.01% | +331 bps | |
| Loan Growth (YoY) | 16.43% | 15.57% | 17.22% | 12.31% | 7.77% | -866 bps | |
| Deposit Growth (YoY) | -0.08% | -3.16% | -1.45% | -0.37% | -1.67% | -158 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.00% | 0.99% | 1.08% | 0.18% | +8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.82% | 0.83% | 0.82% | 0 bps | |
| Allowance Coverage of NPLs | 8.2x | 486.0x | 0.8x | 0.8x | 4.6x | -3.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.52% | 8.11% | 8.07% | 7.66% | 7.56% | +4 bps | |
| Total Risk-Based Capital | 19.60% | 19.38% | 18.91% | 19.03% | 18.62% | -98 bps | |
| Equity / Assets | 3.42% | 4.48% | 4.78% | 4.52% | 4.43% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.15% | 49.05% | 51.27% | 47.52% | 49.49% | +434 bps | |
| Liquid Assets / Assets | 10.03% | 5.69% | 3.03% | 10.17% | 7.11% | -293 bps | |
| CRE / Total Capital | n/a | 64.39% | 72.41% | 73.97% | n/a | n/a | |