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Missouri Bank, The

Warrenton, MO · Cert 14036 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Warren County Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$461.5MAssets
$314.1MLoans
$403.2MDeposits
$57.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in the St. Louis, MO-IL area (rank 5 of 40).
  • Widest gap: total risk-based capital ratio trails 55% of banks under $1B in assets in the St. Louis, MO-IL area (rank 22 of 40).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.74%

Rank 5 of 40

Net Interest Margin

3.62%

Rank 10 of 40

Efficiency Ratio

46.30%

Rank 5 of 40

Equity / Assets

12.46%

Rank 10 of 40

Non-interest income vs. expense

$2.0M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 90% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 46.30%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.74%0.64%1.04%1.26%Beats 88%5 / 40
Return on Equity13.99%6.25%9.97%13.41%Beats 83%7 / 40
Net Interest Margin3.62%3.09%3.22%3.62%Beats 75%10 / 40
Efficiency Ratio46.30%57.08%64.37%75.86%Beats 90%5 / 40
Asset Quality
Nonperforming Loans / Loans0.13%0.14%0.62%1.92%Beats 82%8 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 66%14 / 38
Capital
Tier 1 Capital Ratio12.57%10.29%12.88%15.77%Beats 48%21 / 40
Total Risk-Based Capital Ratio12.57%10.64%13.30%17.01%Beats 45%22 / 40
Equity / Assets12.46%8.59%9.46%12.46%Beats 75%10 / 40
Liquidity & Funding
Loans / Deposits77.91%66.12%79.48%94.60%45th pctl22 / 40
Loans / Assets68.07%54.69%68.52%77.46%45th pctl22 / 40
Brokered Deposits / Depositsn/aNot reported for this institution