Pilot Grove, MO · Cert 12694 · Bancorp II Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
37
Profitability
51
Liquidity
95
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pilot Grove, MO · Cert 12694 · Bancorp II Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Columbia, MO · 2026 SOD (annual) · 1.9% share · #15 of 29 inst. · $0.1B of $6.7B
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 | 0.86% | 0.85% | 0.62% | 0.76% | 0.87% | 0.95% | 1.25% | 1.19% | +43 bps | |
| Return on Equity | 7.81% | 7.70% | 5.68% | 6.89% | 7.83% | 8.47% | 10.90% | 10.40% | +352 bps | |
| Net Interest Margin | 3.06% | 3.08% | 2.97% | 3.05% | 3.17% | 3.25% | 3.53% | 3.58% | +53 bps | |
| Efficiency Ratio | 68.61% | 69.50% | 77.57% | 72.56% | 69.12% | 66.80% | 59.97% | 61.35% | -1,121 bps | |
| Non-Interest Burden | 1.96% | 2.02% | 2.23% | 2.12% | 2.08% | 2.05% | 1.96% | 2.05% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 2.98% | 6.86% | 9.24% | 5.11% | 5.61% | 4.14% | 2.97% | -627 bps | |
| Loan Growth (YoY) | 2.41% | 1.74% | 0.68% | 1.62% | 4.54% | 5.30% | 9.23% | 8.42% | +680 bps | |
| Deposit Growth (YoY) | -0.78% | 3.12% | 9.12% | 11.78% | 7.21% | 5.08% | 3.59% | 2.46% | -932 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.19% | 0.38% | 0.35% | 0.75% | 0.66% | 0.22% | 0.27% | -8 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | -0.01% | 0.00% | 0.00% | 0.00% | 0.47% | 0.25% | +25 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.37% | 1.33% | 1.28% | 1.26% | 1.14% | 1.15% | -18 bps | |
| Allowance Coverage of NPLs | 6.8x | 7.2x | 3.6x | 3.8x | 1.7x | 1.9x | 5.3x | 4.2x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.92% | 11.91% | 11.54% | 11.37% | 11.57% | 11.69% | 11.58% | 11.56% | +19 bps | |
| Total Risk-Based Capital | 11.92% | 11.91% | 11.54% | 11.37% | 11.57% | 11.69% | 11.58% | 11.56% | +19 bps | |
| Equity / Assets | 11.15% | 11.20% | 10.79% | 11.07% | 11.47% | 11.65% | 11.24% | 11.51% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.90% | 76.92% | 70.18% | 72.34% | 75.97% | 77.08% | 74.00% | 76.54% | +421 bps | |
| Liquid Assets / Assets | 4.41% | 4.43% | 4.02% | 4.03% | 4.08% | 4.08% | 4.01% | 4.17% | +14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 26.59% | 27.77% | 27.86% | n/a | n/a | |
Pilot Grove, MO · Cert 12694 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancorp II Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.18%
Rank 306 of 746
Net Interest Margin
3.58%
Rank 415 of 746
Efficiency Ratio
61.35%
Rank 303 of 746
Equity / Assets
11.51%
Rank 275 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.72% | 1.06% | 1.45% | Beats 59% | 306 / 746 | ||
| Return on Equity | 10.29% | 6.74% | 10.51% | 13.63% | Beats 49% | 380 / 746 | ||
| Net Interest Margin | 3.58% | 3.17% | 3.68% | 4.16% | Beats 44% | 415 / 746 | ||
| Efficiency Ratio | 61.35% | 55.74% | 64.58% | 75.47% | Beats 60% | 303 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.42% | 1.07% | Beats 61% | 294 / 743 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 651 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.56% | 11.55% | 13.75% | 17.60% | Beats 25% | 558 / 746 | ||
| Total Risk-Based Capital Ratio | 11.56% | 11.71% | 14.33% | 18.43% | Beats 23% | 573 / 746 | ||
| Equity / Assets | 11.51% | 8.90% | 10.51% | 13.06% | Beats 63% | 275 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.54% | 61.31% | 78.27% | 90.78% | 47th pctl | 394 / 746 | ||
| Loans / Assets | 67.58% | 53.60% | 66.97% | 76.08% | 52nd pctl | 361 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||