PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of New Madrid

New Madrid, MO · Cert 14701 · Dixie Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$116.6MAssets
$66.5MLoans
$98.9MDeposits
$16.4MEquity
Loan mix
89%RE $49.7M7%C&I $3.7M5%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $72.9M26%Noninterest $25.9MQ2 2025Q2 2026

NIM

4.87%Q2 ’245.08%Q2 ’255.19%Q2 ’26+9%+7%

Non-interest income vs. expense

2.45%Q2 ’242.42%Q2 ’252.62%Q2 ’26-2%+11%

Executive Summary

  • Earnings: ROA of 1.50%, up 1 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.04% of loans (-18 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 14.11%, up 115 bps from a year ago.
  • Funding: loans stand at 67.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.50%+1 bps YoY

Net Interest Margin (quarter, annualized)

4.09%+26 bps YoY

Efficiency Ratio (quarter, annualized)

57.61%+149 bps YoY

Tier 1 Leverage Ratio

14.11%+115 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.36%1.35%1.47%1.50%+1 bps
Return on Equity12.15%10.46%9.86%10.75%10.95%-121 bps
Net Interest Margin3.84%4.00%3.99%3.84%4.09%+26 bps
Efficiency Ratio56.12%60.81%61.35%57.74%57.61%+149 bps
Non-Interest Burden1.94%2.25%2.27%2.01%2.16%+22 bps
Growth
Asset Growth (YoY)1.38%3.02%-1.97%-2.60%-1.55%-293 bps
Loan Growth (YoY)2.06%7.14%1.42%0.04%6.70%+464 bps
Deposit Growth (YoY)0.40%-3.60%-3.82%-4.05%-4.13%-453 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.26%0.12%0.12%0.04%-18 bps
Net Charge-Offs / Loans0.00%0.02%-0.01%0.05%0.05%+5 bps
Allowance / Loans1.43%1.35%1.39%1.46%1.32%-11 bps
Allowance Coverage of NPLs6.5x5.1x11.1x12.6x33.7x+27.2x
Capital
Tier 1 Leverage Ratio12.96%13.82%14.20%13.65%14.11%+115 bps
Total Risk-Based Capital12.96%13.82%14.20%13.65%14.11%+115 bps
Equity / Assets12.66%13.38%13.92%13.39%14.08%+143 bps
Liquidity & Funding
Loans / Deposits60.39%68.85%62.94%57.09%67.22%+682 bps
Liquid Assets / Assets8.28%1.43%1.22%10.91%2.17%-612 bps
CRE / Total Capitaln/a68.31%63.07%59.77%n/an/a