Glasgow, MO · Cert 11465
State charter, non-member · 1 branch
Q1 2026
Market Position · Columbia, MO · 2025 SOD (annual) · 0.7% share · #21 of 29 inst. · $0.0B of $6.5B
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.89% | 0.97% | 1.04% | 1.11% | +48 bps | |
| Return on Equity | 5.68% | 8.11% | 8.74% | 9.13% | 9.24% | +356 bps | |
| Net Interest Margin | 3.46% | 4.02% | 3.98% | 3.98% | 4.13% | +67 bps | |
| Efficiency Ratio | 78.25% | 71.97% | 70.09% | 68.53% | 68.01% | -1,024 bps | |
| Non-Interest Burden | 2.67% | 2.87% | 2.75% | 2.68% | 2.75% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.31% | -1.24% | -2.49% | -1.60% | -2.62% | -292 bps | |
| Loan Growth (YoY) | -2.98% | -1.39% | -3.23% | -3.27% | -0.59% | +239 bps | |
| Deposit Growth (YoY) | -1.94% | -6.54% | -0.71% | -0.99% | 2.32% | +426 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.14% | 1.41% | 0.87% | 0.69% | 1.06% | -208 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.12% | 0.09% | 0.01% | +1 bps | |
| Allowance / Loans | 1.55% | 1.51% | 1.44% | 1.42% | 1.46% | -9 bps | |
| Allowance Coverage of NPLs | 0.5x | 1.1x | 1.7x | 2.0x | 1.4x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.60% | 13.49% | 13.55% | 13.81% | 12.84% | +24 bps | |
| Total Risk-Based Capital | 12.60% | 13.49% | 13.55% | 13.81% | 12.84% | +24 bps | |
| Equity / Assets | 10.51% | 10.67% | 11.85% | 12.47% | 11.50% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.29% | 91.60% | 87.78% | 89.96% | 81.89% | -240 bps | |
| Liquid Assets / Assets | 3.91% | 0.43% | 0.01% | 0.07% | 0.19% | -373 bps | |
| CRE / Total Capital | n/a | n/a | 24.38% | 25.25% | 26.63% | n/a | |