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 | |