PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northeast Missouri State Bank

Kirksville, MO · Cert 13381 · Schuyler County Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$164.1MAssets
$66.9MLoans
$147.4MDeposits
$16.1MEquity
Loan mix
83%RE $45.8M9%C&I $4.7M9%Consumer $4.7MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $112.4M24%Noninterest $35.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.22%, up 16 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.02% of loans (-11 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.11%, down 48 bps from a year ago.
  • Funding: loans stand at 45.38% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.22%+16 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+20 bps YoY

Efficiency Ratio (quarter, annualized)

48.46%-373 bps YoY

Tier 1 Leverage Ratio

11.11%-48 bps YoY

NIM

4.13%Q2 ’244.39%Q2 ’254.45%Q2 ’26+6%+8%

Non-interest income vs. expense

1.64%Q2 ’241.47%Q2 ’251.45%Q2 ’26-13%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.86%0.91%1.05%1.21%1.12%1.18%1.22%+16 bps
Return on Equity8.59%9.84%10.83%12.01%12.94%11.33%11.96%12.49%+48 bps
Net Interest Margin2.38%2.44%2.55%2.65%2.79%2.80%2.76%2.86%+20 bps
Efficiency Ratio62.64%58.45%58.15%52.19%48.28%52.08%48.51%48.46%-373 bps
Non-Interest Burden1.39%1.32%1.36%1.27%1.22%1.35%1.23%1.28%+1 bps
Growth
Asset Growth (YoY)7.33%5.00%7.04%8.46%9.14%10.32%10.45%9.13%+67 bps
Loan Growth (YoY)8.37%10.61%6.35%3.95%9.89%8.98%5.03%4.40%+45 bps
Deposit Growth (YoY)3.31%5.01%6.19%7.19%8.22%7.82%9.06%8.16%+98 bps
Asset Quality
Nonperforming Loans / Loans1.23%0.00%0.05%0.13%3.07%0.59%0.03%0.02%-11 bps
Net Charge-Offs / Loans0.00%0.16%-0.08%-0.01%0.00%0.03%0.00%0.04%+5 bps
Allowance / Loans1.36%1.27%1.29%1.26%1.22%1.18%1.23%1.19%-7 bps
Allowance Coverage of NPLs1.1xn/a23.8x9.5x0.4x2.0x40.2x56.9x+47.4x
Capital
Tier 1 Leverage Ratio12.00%11.75%11.84%11.58%11.54%11.43%11.42%11.11%-48 bps
Total Risk-Based Capital22.30%22.12%22.57%22.07%23.42%22.20%23.92%22.18%+11 bps
Equity / Assets9.31%8.13%8.61%8.95%9.72%10.02%9.71%9.78%+83 bps
Liquidity & Funding
Loans / Deposits47.39%47.88%46.04%47.02%48.12%48.40%44.34%45.38%-164 bps
Liquid Assets / Assets3.48%4.83%6.25%6.72%6.52%6.17%12.65%8.40%+168 bps
CRE / Total Capitaln/an/an/an/a26.83%21.36%19.85%n/an/a