St. Clair County State Bank
Osceola, MO · Cert 11002 · Peer group: banks under $1B in assets in MO (n=82-83) · Margaret Parker Platter Charitable Tr
State charter, non-member · FDIC · 4 branches
Q2 2026
$231.8MAssets
$178.5MLoans
$195.7MDeposits
$30.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in MO (rank 6 of 83).
- Widest gap: total risk-based capital ratio trails 47% of banks under $1B in assets in MO (rank 39 of 83).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.79%
Rank 19 of 83
Net Interest Margin
4.06%
Rank 28 of 83
Efficiency Ratio
41.49%
Rank 6 of 83
Equity / Assets
13.29%
Rank 22 of 83
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 94% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.96% | 1.32% | 1.75% | Beats 77% | 19 / 83 | |
| Return on Equity | 13.50% | 9.66% | 12.96% | 15.76% | Beats 55% | 37 / 83 | |
| Net Interest Margin | 4.06% | 3.35% | 3.85% | 4.16% | Beats 66% | 28 / 83 | |
| Efficiency Ratio | 41.49% | 49.83% | 58.83% | 68.51% | Beats 94% | 6 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.08% | 0.51% | 1.01% | Beats 63% | 31 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 68% | 27 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 13.51% | 11.01% | 12.49% | 14.98% | Beats 59% | 34 / 83 | |
| Total Risk-Based Capital Ratio | 13.51% | 11.13% | 13.01% | 15.10% | Beats 53% | 39 / 83 | |
| Equity / Assets | 13.29% | 8.83% | 10.71% | 13.29% | Beats 73% | 22 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 91.21% | 69.28% | 83.22% | 91.21% | 74th pctl | 21 / 82 | |
| Loans / Assets | 77.01% | 59.34% | 71.15% | 78.36% | 66th pctl | 28 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |