Bolivar, MO · Cert 11003 · Stark Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.6% share · #29 of 41 inst. · $0.1B of $17.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.40% | 0.67% | -3.08% | 1.03% | 0.69% | 1.00% | 1.04% | +412 bps | |
| Return on Equity | 1.42% | 2.46% | 4.24% | -19.47% | 6.58% | 4.47% | 6.61% | 7.10% | +2,657 bps | |
| Net Interest Margin | 3.82% | 3.89% | 3.72% | -0.69% | 4.60% | 4.70% | 4.62% | 4.65% | +534 bps | |
| Efficiency Ratio | 83.01% | 79.23% | 74.94% | 70.97% | 60.26% | 66.25% | 62.49% | 62.74% | -823 bps | |
| Non-Interest Burden | 3.15% | 2.87% | 2.74% | -0.66% | 2.99% | 3.38% | 3.06% | 3.08% | +374 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.32% | 15.73% | 13.13% | 12.98% | 12.42% | 8.60% | 9.50% | 19.88% | +691 bps | |
| Loan Growth (YoY) | 25.86% | 24.05% | 22.48% | 16.19% | 13.34% | 13.70% | 13.53% | 21.72% | +553 bps | |
| Deposit Growth (YoY) | 43.65% | 33.97% | 15.87% | 16.24% | 15.05% | 12.01% | 12.88% | 25.27% | +903 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.17% | 0.17% | 0.13% | 0.26% | 0.23% | 0.22% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.20% | 0.00% | 0.00% | 0.02% | 0.00% | 0.08% | -0.03% | -3 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.17% | 1.20% | 1.16% | 1.23% | 1.21% | 1.16% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 6.5x | 6.8x | 7.0x | 8.7x | 4.7x | 5.1x | 5.3x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.37% | 15.94% | 15.47% | 13.50% | 14.27% | 13.98% | 14.12% | 13.72% | +22 bps | |
| Total Risk-Based Capital | 16.37% | 15.94% | 15.47% | 13.50% | 14.27% | 13.98% | 14.12% | 13.72% | +22 bps | |
| Equity / Assets | 16.84% | 15.98% | 15.81% | 15.89% | 15.40% | 15.27% | 15.04% | 14.15% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.65% | 99.59% | 99.45% | 99.95% | 100.14% | 101.10% | 100.02% | 97.12% | -283 bps | |
| Liquid Assets / Assets | 8.84% | 10.30% | 9.55% | 7.73% | 3.34% | 6.36% | 7.86% | 9.37% | +164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 169.09% | 190.13% | 189.54% | n/a | n/a | |