Brunswick, MO · Cert 12220 · Chariton County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.77% | 1.64% | 1.57% | 1.66% | +38 bps | |
| Return on Equity | 16.55% | 21.71% | 19.82% | 19.40% | 20.22% | +366 bps | |
| Net Interest Margin | 4.43% | 4.32% | 4.35% | 4.39% | 4.60% | +18 bps | |
| Efficiency Ratio | 66.62% | 55.31% | 59.24% | 58.98% | 57.95% | -868 bps | |
| Non-Interest Burden | 2.72% | 2.05% | 2.28% | 2.32% | 2.37% | -35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.94% | 3.08% | 8.32% | 7.50% | 8.00% | +706 bps | |
| Loan Growth (YoY) | 9.51% | 7.94% | 14.61% | 17.40% | 24.58% | +1,507 bps | |
| Deposit Growth (YoY) | 0.16% | 2.67% | 6.40% | 7.12% | 5.96% | +580 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 1.43% | 1.38% | 1.26% | 1.25% | 1.21% | -22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.24% | 8.43% | 8.06% | 7.95% | 8.29% | +5 bps | |
| Total Risk-Based Capital | 15.20% | 15.42% | 14.20% | 14.03% | 13.74% | -145 bps | |
| Equity / Assets | 7.91% | 8.38% | 8.14% | 8.02% | 8.44% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.67% | 76.14% | 85.12% | 80.83% | 87.79% | +1,312 bps | |
| Liquid Assets / Assets | 2.56% | 4.03% | 2.39% | 4.04% | 0.84% | -173 bps | |
| CRE / Total Capital | n/a | 141.28% | 167.45% | 177.23% | n/a | n/a | |