Fulton, MO · Cert 12223 · Callaway Security Banks Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 3.6% share · #5 of 20 inst. · $0.3B of $7.7B
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 | 0.71% | 0.75% | 0.97% | 1.11% | 1.08% | 1.01% | 1.25% | 1.37% | +26 bps | |
| Return on Equity | 8.42% | 8.94% | 11.37% | 12.79% | 12.25% | 11.29% | 13.52% | 14.57% | +178 bps | |
| Net Interest Margin | 3.30% | 3.32% | 3.59% | 3.76% | 3.79% | 3.89% | 4.07% | 4.17% | +41 bps | |
| Efficiency Ratio | 73.81% | 73.33% | 68.31% | 65.13% | 66.42% | 68.78% | 62.06% | 60.95% | -418 bps | |
| Non-Interest Burden | 2.26% | 2.26% | 2.26% | 2.23% | 2.33% | 2.49% | 2.28% | 2.28% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 5.04% | 2.52% | 3.87% | 2.23% | -0.32% | 9.34% | 2.56% | -131 bps | |
| Loan Growth (YoY) | 2.19% | 0.13% | 1.56% | -1.31% | 0.39% | 2.14% | -0.16% | 1.81% | +312 bps | |
| Deposit Growth (YoY) | 3.67% | 8.25% | 2.49% | 1.58% | -0.26% | -1.19% | 11.68% | 6.52% | +493 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.78% | 0.65% | 0.51% | 0.94% | 0.76% | 0.84% | 0.78% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.02% | -0.02% | 0.09% | 0.22% | 0.04% | -0.06% | -5 bps | |
| Allowance / Loans | 1.10% | 1.13% | 1.13% | 1.19% | 1.13% | 1.06% | 1.10% | 1.16% | -3 bps | |
| Allowance Coverage of NPLs | 3.4x | 1.5x | 1.7x | 2.3x | 1.2x | 1.4x | 1.3x | 1.5x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.07% | 9.34% | 9.65% | 9.69% | 9.79% | 9.81% | 10.12% | +48 bps | |
| Total Risk-Based Capital | 9.48% | 9.07% | 9.34% | 9.65% | 9.69% | 9.79% | 9.81% | 10.12% | +48 bps | |
| Equity / Assets | 8.69% | 8.30% | 8.75% | 8.99% | 9.19% | 9.50% | 8.97% | 9.78% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.19% | 89.05% | 92.99% | 92.98% | 92.79% | 92.05% | 83.13% | 88.88% | -411 bps | |
| Liquid Assets / Assets | 1.69% | 2.87% | 1.32% | 4.12% | 4.33% | 2.65% | 9.51% | 4.09% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 302% | 293% | n/a | n/a | |