Concordia, MO · Cert 13788 · Northern MO Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 4 branches (20 in holding)
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #72 of 114 inst. · $0.1B of $99.1B
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 | 1.05% | 1.11% | 1.25% | 1.36% | 1.45% | 1.42% | 1.45% | 1.56% | +19 bps | |
| Return on Equity | 10.10% | 10.61% | 11.72% | 12.72% | 13.41% | 13.09% | 13.08% | 13.80% | +108 bps | |
| Net Interest Margin | 4.10% | 4.13% | 4.06% | 4.04% | 4.06% | 4.08% | 4.25% | 4.36% | +31 bps | |
| Efficiency Ratio | 64.25% | 62.40% | 60.66% | 59.48% | 58.20% | 58.92% | 56.73% | 56.13% | -335 bps | |
| Non-Interest Burden | 2.44% | 2.38% | 2.25% | 2.20% | 2.17% | 2.22% | 2.23% | 2.25% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.96% | 8.01% | 7.61% | 6.76% | 10.30% | 8.55% | 7.88% | 5.21% | -155 bps | |
| Loan Growth (YoY) | 14.73% | 9.68% | 6.48% | 0.02% | -2.11% | 0.85% | 4.72% | 8.09% | +807 bps | |
| Deposit Growth (YoY) | 10.03% | 11.11% | 6.92% | 9.22% | 10.05% | 7.96% | 7.32% | 4.38% | -484 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.00% | 0.40% | 0.37% | 0.00% | 0.00% | 0.34% | 0.32% | -5 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.02% | 0.02% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 1.13% | 1.28% | 1.31% | 1.34% | 1.31% | 1.32% | 1.31% | 1.31% | -3 bps | |
| Allowance Coverage of NPLs | 1.8x | n/a | 3.3x | 3.6x | n/a | n/a | 3.9x | 4.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.33% | 11.16% | 11.04% | 11.12% | 11.17% | 11.11% | 11.44% | 11.92% | +80 bps | |
| Total Risk-Based Capital | 11.33% | 11.16% | 11.04% | 11.12% | 11.17% | 11.11% | 11.44% | 11.92% | +80 bps | |
| Equity / Assets | 10.80% | 10.59% | 10.67% | 10.91% | 10.98% | 11.09% | 11.10% | 11.61% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.12% | 88.62% | 85.73% | 82.66% | 81.06% | 82.79% | 83.65% | 85.60% | +294 bps | |
| Liquid Assets / Assets | 0.36% | 5.22% | 9.53% | 12.23% | 9.93% | 9.48% | 9.87% | 8.09% | -413 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 257% | 253% | 263% | n/a | n/a | |