Cole Camp, MO · Cert 11463
State charter, Fed member · FED · 2 branches
Q2 2026
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 | 1.49% | 1.36% | 1.62% | 2.18% | 2.30% | 2.15% | 2.46% | 2.12% | -6 bps | |
| Return on Equity | 10.75% | 9.83% | 11.91% | 16.03% | 16.59% | 15.36% | 17.20% | 14.69% | -134 bps | |
| Net Interest Margin | 3.19% | 3.18% | 3.42% | 3.51% | 3.59% | 3.70% | 3.75% | 3.73% | +22 bps | |
| Efficiency Ratio | 48.77% | 53.32% | 50.60% | 45.68% | 44.37% | 46.26% | 41.42% | 44.86% | -83 bps | |
| Non-Interest Burden | 1.30% | 1.47% | 1.52% | 1.24% | 1.26% | 1.40% | 1.30% | 1.43% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.12% | 2.70% | 8.79% | 9.97% | 7.57% | 5.25% | 6.77% | 2.61% | -736 bps | |
| Loan Growth (YoY) | 1.36% | 5.04% | 4.78% | 6.08% | 3.76% | 1.83% | -0.12% | -1.76% | -783 bps | |
| Deposit Growth (YoY) | 7.29% | 9.73% | 9.26% | 9.82% | 7.10% | 4.40% | 6.10% | 1.84% | -797 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.25% | 1.66% | 1.61% | 1.65% | 1.60% | 1.29% | 1.59% | 1.35% | -30 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.09% | 0.00% | 0.03% | 0.03% | 0.16% | -0.04% | -0.03% | -6 bps | |
| Allowance / Loans | 1.38% | 1.33% | 1.32% | 1.30% | 1.31% | 1.29% | 1.32% | 1.34% | +4 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 0.8x | 0.8x | 0.8x | 1.0x | 0.8x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.84% | 14.11% | 14.35% | 14.42% | 14.86% | 14.55% | 14.81% | 14.78% | +36 bps | |
| Total Risk-Based Capital | 14.84% | 14.11% | 14.35% | 14.42% | 14.86% | 14.55% | 14.81% | 14.78% | +36 bps | |
| Equity / Assets | 14.31% | 13.68% | 13.45% | 13.71% | 14.68% | 14.48% | 14.09% | 14.68% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.26% | 82.55% | 78.82% | 77.31% | 77.76% | 80.52% | 74.20% | 74.58% | -273 bps | |
| Liquid Assets / Assets | 8.38% | 5.47% | 6.46% | 10.14% | 8.41% | 5.73% | 12.56% | 8.59% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 50.41% | 54.47% | 53.67% | n/a | n/a | |