Palmyra, MO · Cert 14492 · Byron B Webb Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #86 of 111 inst. · $0.1B of $141.7B
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 | 1.18% | 1.24% | 1.48% | 1.55% | 1.60% | 1.50% | 1.54% | 1.66% | +11 bps | |
| Return on Equity | 13.13% | 13.82% | 16.23% | 16.85% | 17.24% | 16.19% | 16.81% | 17.99% | +114 bps | |
| Net Interest Margin | 3.76% | 3.79% | 4.08% | 4.17% | 4.21% | 4.14% | 4.40% | 4.32% | +15 bps | |
| Efficiency Ratio | 64.51% | 62.57% | 59.68% | 58.06% | 57.39% | 57.65% | 56.57% | 55.35% | -270 bps | |
| Non-Interest Burden | 2.23% | 2.16% | 2.22% | 2.18% | 2.16% | 2.14% | 2.26% | 2.12% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.21% | 12.03% | 13.22% | 4.42% | 4.39% | 9.13% | 10.43% | 12.22% | +780 bps | |
| Loan Growth (YoY) | 7.49% | 12.24% | 9.45% | 6.92% | 8.94% | 9.29% | 15.06% | 14.95% | +804 bps | |
| Deposit Growth (YoY) | 5.54% | 7.67% | 11.44% | 6.28% | 5.17% | 11.09% | 8.90% | 10.77% | +449 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.79% | 1.62% | 0.70% | 0.64% | 0.60% | 0.54% | 0.29% | -41 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.01% | 0.99% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 43.1x | 1.3x | 0.6x | 1.4x | 1.6x | 1.7x | 1.8x | 3.4x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.65% | 9.56% | 9.76% | 9.81% | 9.64% | 9.65% | 9.61% | -16 bps | |
| Total Risk-Based Capital | 9.59% | 9.65% | 9.56% | 9.76% | 9.81% | 9.64% | 9.65% | 9.61% | -16 bps | |
| Equity / Assets | 9.17% | 9.02% | 9.17% | 9.44% | 9.59% | 9.19% | 9.20% | 9.38% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.27% | 98.95% | 97.32% | 99.72% | 101.79% | 97.35% | 102.83% | 103.49% | +377 bps | |
| Liquid Assets / Assets | 4.46% | 3.43% | 5.81% | 3.84% | 3.96% | 5.98% | 4.36% | 3.75% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 237% | 252% | 249% | n/a | n/a | |