Belgrade State Bank
Belgrade, MO · Cert 12208 · Peer group: banks under $1B in assets in MO (n=82-83) · Turner Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$548.0MAssets
$412.2MLoans
$495.3MDeposits
$49.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets in MO (rank 14 of 83).
- Widest gap: net charge-offs / loans trails 79% of banks under $1B in assets in MO (rank 66 of 82).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.56%
Rank 29 of 83
Net Interest Margin
4.04%
Rank 30 of 83
Efficiency Ratio
55.14%
Rank 34 of 83
Equity / Assets
8.95%
Rank 60 of 83
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 60% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.96% | 1.32% | 1.75% | Beats 65% | 29 / 83 | | |
| Return on Equity | 17.41% | 9.66% | 12.96% | 15.76% | Beats 83% | 14 / 83 | | |
| Net Interest Margin | 4.04% | 3.35% | 3.85% | 4.16% | Beats 64% | 30 / 83 | | |
| Efficiency Ratio | 55.14% | 49.83% | 58.83% | 68.51% | Beats 60% | 34 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.08% | 0.51% | 1.01% | Beats 57% | 36 / 82 | | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.06% | Beats 21% | 66 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.01% | 12.49% | 14.98% | Beats 77% | 19 / 83 | | |
| Total Risk-Based Capital Ratio | 16.29% | 11.13% | 13.01% | 15.10% | Beats 80% | 17 / 83 | | |
| Equity / Assets | 8.95% | 8.83% | 10.71% | 13.29% | Beats 28% | 60 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.22% | 69.28% | 83.22% | 91.21% | 50th pctl | 41 / 82 | | |
| Loans / Assets | 75.22% | 59.34% | 71.15% | 78.36% | 59th pctl | 34 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |