Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.
State charter, non-member · FDIC · 8 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
68
Asset Quality
47
Profitability
66
Liquidity
33
Efficiency
83
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.
Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
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 | 1.57% | 1.57% | 1.39% | 1.69% | 1.82% | 1.90% | 1.85% | 1.93% | +24 bps | |
| Return on Equity | 12.57% | 12.42% | 10.62% | 12.75% | 13.53% | 13.97% | 13.09% | 13.71% | +96 bps | |
| Net Interest Margin | 3.42% | 3.46% | 3.61% | 3.74% | 3.77% | 3.80% | 3.97% | 3.97% | +22 bps | |
| Efficiency Ratio | 49.21% | 47.93% | 43.90% | 40.48% | 40.91% | 41.21% | 47.31% | 44.97% | +449 bps | |
| Non-Interest Burden | 1.33% | 1.29% | 1.22% | 1.01% | 1.07% | 1.11% | 1.51% | 1.39% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 3.48% | 1.87% | 3.39% | 5.43% | 3.11% | 3.54% | 4.49% | +110 bps | |
| Loan Growth (YoY) | 4.22% | 3.44% | -1.38% | -5.16% | -4.56% | -2.75% | -0.06% | 3.22% | +838 bps | |
| Deposit Growth (YoY) | -1.06% | 2.49% | 0.58% | 2.22% | 4.63% | 1.76% | 2.53% | 3.88% | +166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.80% | 3.25% | 2.83% | 0.79% | 0.78% | 0.04% | 0.02% | -280 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.19% | 0.06% | 0.02% | 0.01% | 0.01% | 0.47% | 0.25% | +23 bps | |
| Allowance / Loans | 0.94% | 0.97% | 1.23% | 1.53% | 1.51% | 1.48% | 1.38% | 1.40% | -13 bps | |
| Allowance Coverage of NPLs | 5.8x | 1.2x | 0.4x | 0.5x | 1.9x | 1.9x | 32.7x | 58.4x | +57.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.78% | 12.92% | 12.86% | 13.04% | 13.34% | 13.48% | 13.88% | 13.98% | +94 bps | |
| Total Risk-Based Capital | 12.78% | 12.92% | 12.86% | 13.04% | 13.34% | 13.48% | 13.88% | 13.98% | +94 bps | |
| Equity / Assets | 13.20% | 13.11% | 13.12% | 13.57% | 13.92% | 14.27% | 13.95% | 14.06% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.89% | 71.48% | 67.83% | 66.01% | 66.49% | 68.31% | 66.11% | 65.59% | -42 bps | |
| Liquid Assets / Assets | 5.87% | 5.74% | 6.22% | 12.25% | 9.36% | 7.30% | 8.64% | 9.81% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.28% | 189.51% | 176.35% | n/a | n/a | |
Fredericktown, MO · Cert 14546 · Peer group: banks under $1B in assets in MO (n=82-83) · New Era Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.91%
Rank 14 of 83
Net Interest Margin
3.97%
Rank 35 of 83
Efficiency Ratio
44.97%
Rank 15 of 83
Equity / Assets
14.06%
Rank 17 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.91% | 0.96% | 1.32% | 1.75% | Beats 83% | 14 / 83 | ||
| Return on Equity | 13.55% | 9.66% | 12.96% | 15.76% | Beats 57% | 36 / 83 | ||
| Net Interest Margin | 3.97% | 3.35% | 3.85% | 4.16% | Beats 58% | 35 / 83 | ||
| Efficiency Ratio | 44.97% | 49.83% | 58.83% | 68.51% | Beats 83% | 15 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.08% | 0.51% | 1.01% | Beats 85% | 13 / 82 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.06% | Beats 9% | 76 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.98% | 11.01% | 12.49% | 14.98% | Beats 64% | 30 / 83 | ||
| Total Risk-Based Capital Ratio | 13.98% | 11.13% | 13.01% | 15.10% | Beats 59% | 34 / 83 | ||
| Equity / Assets | 14.06% | 8.83% | 10.71% | 13.29% | Beats 80% | 17 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.59% | 69.28% | 83.22% | 91.21% | 18th pctl | 67 / 82 | ||
| Loans / Assets | 56.12% | 59.34% | 71.15% | 78.36% | 17th pctl | 69 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||