Cameron, MO · Cert 13897 · FSC Bancshares Inc.
State charter, non-member · FDIC · 9 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 in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
55
Profitability
36
Liquidity
66
Efficiency
30
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.
Cameron, MO · Cert 13897 · FSC Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #53 of 114 inst. · $0.2B 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 | 0.84% | 0.81% | 0.90% | 0.92% | 0.96% | 0.91% | 1.07% | 1.03% | +12 bps | |
| Return on Equity | 11.69% | 11.21% | 12.06% | 12.25% | 12.61% | 11.88% | 13.37% | 12.76% | +51 bps | |
| Net Interest Margin | 3.26% | 3.27% | 3.33% | 3.33% | 3.41% | 3.44% | 3.55% | 3.64% | +31 bps | |
| Efficiency Ratio | 70.04% | 71.38% | 70.13% | 69.17% | 68.02% | 69.61% | 65.01% | 64.89% | -427 bps | |
| Non-Interest Burden | 2.16% | 2.22% | 2.22% | 2.18% | 2.18% | 2.27% | 2.16% | 2.22% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.36% | -5.73% | 2.25% | 2.94% | 2.58% | 8.29% | 0.70% | 1.92% | -101 bps | |
| Loan Growth (YoY) | 1.01% | 1.06% | 1.91% | 1.24% | 1.60% | 1.39% | 0.25% | 2.97% | +173 bps | |
| Deposit Growth (YoY) | 6.28% | 0.95% | 1.72% | 2.56% | 0.83% | 7.10% | 0.80% | 2.15% | -41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.29% | 0.47% | 0.50% | 0.53% | 0.50% | 0.51% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.60% | 0.61% | 0.61% | 0.62% | 0.62% | 0.62% | 0.63% | 0.62% | 0 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 2.1x | 1.3x | 1.2x | 1.2x | 1.3x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.58% | 8.61% | 8.41% | 8.56% | 8.77% | 8.85% | 8.91% | 9.03% | +47 bps | |
| Total Risk-Based Capital | 13.77% | 13.66% | 13.96% | 14.18% | 14.42% | 14.39% | 14.83% | 14.90% | +71 bps | |
| Equity / Assets | 7.84% | 7.45% | 7.44% | 7.60% | 8.07% | 7.88% | 8.19% | 8.27% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.68% | 88.75% | 86.40% | 87.61% | 90.36% | 84.01% | 85.92% | 88.31% | +70 bps | |
| Liquid Assets / Assets | 3.37% | 2.48% | 5.32% | 3.16% | 2.99% | 4.14% | 5.94% | 4.32% | +117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 162.37% | 169.63% | 173.10% | n/a | n/a | |
Cameron, MO · Cert 13897 · Peer group: banks under $1B in assets in MO (n=82-83) · FSC Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.04%
Rank 60 of 83
Net Interest Margin
3.64%
Rank 54 of 83
Efficiency Ratio
64.89%
Rank 59 of 83
Equity / Assets
8.27%
Rank 72 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.96% | 1.32% | 1.75% | Beats 28% | 60 / 83 | ||
| Return on Equity | 12.57% | 9.66% | 12.96% | 15.76% | Beats 45% | 46 / 83 | ||
| Net Interest Margin | 3.64% | 3.35% | 3.85% | 4.16% | Beats 35% | 54 / 83 | ||
| Efficiency Ratio | 64.89% | 49.83% | 58.83% | 68.51% | Beats 30% | 59 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.08% | 0.51% | 1.01% | Beats 50% | 42 / 82 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 36 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.09% | 11.01% | 12.49% | 14.98% | Beats 65% | 29 / 83 | ||
| Total Risk-Based Capital Ratio | 14.90% | 11.13% | 13.01% | 15.10% | Beats 72% | 23 / 83 | ||
| Equity / Assets | 8.27% | 8.83% | 10.71% | 13.29% | Beats 13% | 72 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.31% | 69.28% | 83.22% | 91.21% | 68th pctl | 26 / 82 | ||
| Loans / Assets | 78.74% | 59.34% | 71.15% | 78.36% | 77th pctl | 19 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||