Callaway Bank, The
Fulton, MO · Cert 12223 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Callaway Security Banks Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$511.5MAssets
$381.8MLoans
$429.6MDeposits
$50.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks under $1B in assets operating in a single state (rank 166 of 746).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 680 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.38%
Rank 216 of 746
Net Interest Margin
4.17%
Rank 185 of 746
Efficiency Ratio
60.95%
Rank 295 of 746
Equity / Assets
9.78%
Rank 456 of 746
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 61% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.72% | 1.06% | 1.45% | Beats 71% | 216 / 746 | | |
| Return on Equity | 14.14% | 6.74% | 10.51% | 13.63% | Beats 78% | 166 / 746 | | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 75% | 185 / 746 | | |
| Efficiency Ratio | 60.95% | 55.74% | 64.58% | 75.47% | Beats 61% | 295 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.07% | Beats 34% | 494 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 523 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 11.55% | 13.75% | 17.60% | Beats 10% | 674 / 746 | | |
| Total Risk-Based Capital Ratio | 10.12% | 11.71% | 14.33% | 18.43% | Beats 9% | 680 / 746 | | |
| Equity / Assets | 9.78% | 8.90% | 10.51% | 13.06% | Beats 39% | 456 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.88% | 61.31% | 78.27% | 90.78% | 71st pctl | 215 / 746 | | |
| Loans / Assets | 74.65% | 53.60% | 66.97% | 76.08% | 70th pctl | 223 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |