Mansfield, MO · Cert 11466 · Banc 60 Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.2% share · #39 of 41 inst. · $0.0B of $17.8B
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 | 0.60% | 0.57% | 0.62% | 0.76% | 0.65% | 0.69% | 0.49% | 0.61% | -15 bps | |
| Return on Equity | 6.39% | 6.05% | 6.42% | 7.86% | 6.68% | 7.02% | 4.92% | 6.09% | -177 bps | |
| Net Interest Margin | 3.62% | 3.77% | 3.77% | 3.93% | 3.95% | 4.04% | 4.02% | 4.14% | +21 bps | |
| Efficiency Ratio | 79.41% | 81.06% | 81.31% | 78.23% | 80.04% | 79.91% | 83.99% | 82.18% | +395 bps | |
| Non-Interest Burden | 2.80% | 2.98% | 2.99% | 2.97% | 3.07% | 3.12% | 3.31% | 3.33% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.38% | -0.77% | 1.11% | -0.05% | 2.14% | 4.59% | 0.36% | 1.13% | +118 bps | |
| Loan Growth (YoY) | -1.69% | -0.24% | 1.34% | -0.78% | -0.37% | -2.77% | -2.27% | -3.20% | -242 bps | |
| Deposit Growth (YoY) | 5.73% | 4.67% | 6.01% | 4.40% | 5.39% | 9.04% | 3.53% | 3.57% | -82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.90% | 0.61% | 0.34% | 0.34% | 0.34% | 0.40% | 0.38% | 0.50% | +16 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.03% | 0.01% | 0.10% | 0.08% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.26% | 1.24% | 1.24% | 1.24% | 1.23% | 1.26% | 1.27% | 1.27% | +3 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.0x | 3.7x | 3.7x | 3.6x | 3.1x | 3.3x | 2.5x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.71% | 9.97% | 9.91% | 9.97% | 9.99% | 10.26% | 10.24% | 10.31% | +34 bps | |
| Total Risk-Based Capital | 9.71% | 9.97% | 9.91% | 9.97% | 9.99% | 10.26% | 10.24% | 10.31% | +34 bps | |
| Equity / Assets | 9.75% | 9.74% | 9.48% | 9.80% | 10.04% | 10.04% | 10.01% | 10.15% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.08% | 97.23% | 89.95% | 90.73% | 89.88% | 86.70% | 84.91% | 84.80% | -593 bps | |
| Liquid Assets / Assets | 6.08% | 5.44% | 11.16% | 9.40% | 9.24% | 12.03% | 11.53% | 12.07% | +267 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.78% | 109.58% | 119.85% | n/a | n/a | |