Northeast Missouri State Bank
Kirksville, MO · Cert 13381 · Peer group: banks under $1B in assets in MO (n=82-83) · Schuyler County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$164.1MAssets
$66.9MLoans
$147.4MDeposits
$16.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of banks under $1B in assets in MO (rank 6 of 83).
- Widest gap: net interest margin trails 94% of banks under $1B in assets in MO (rank 78 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.19%
Rank 47 of 83
Net Interest Margin
2.78%
Rank 78 of 83
Efficiency Ratio
48.49%
Rank 20 of 83
Equity / Assets
9.78%
Rank 50 of 83
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 77% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.96% | 1.32% | 1.75% | Beats 43% | 47 / 83 | | |
| Return on Equity | 12.15% | 9.66% | 12.96% | 15.76% | Beats 40% | 50 / 83 | | |
| Net Interest Margin | 2.78% | 3.35% | 3.85% | 4.16% | Beats 6% | 78 / 83 | | |
| Efficiency Ratio | 48.49% | 49.83% | 58.83% | 68.51% | Beats 77% | 20 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.08% | 0.51% | 1.01% | Beats 87% | 12 / 82 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 56% | 37 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 21.24% | 11.01% | 12.49% | 14.98% | Beats 93% | 6 / 83 | | |
| Total Risk-Based Capital Ratio | 22.18% | 11.13% | 13.01% | 15.10% | Beats 93% | 6 / 83 | | |
| Equity / Assets | 9.78% | 8.83% | 10.71% | 13.29% | Beats 40% | 50 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.38% | 69.28% | 83.22% | 91.21% | 4th pctl | 79 / 82 | | |
| Loans / Assets | 40.76% | 59.34% | 71.15% | 78.36% | 5th pctl | 79 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |