New Madrid, MO · Cert 14701 · Dixie Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.21% | 1.33% | 1.49% | 1.36% | 1.35% | 1.47% | 1.50% | +1 bps | |
| Return on Equity | 9.88% | 9.71% | 11.09% | 12.15% | 10.46% | 9.86% | 10.75% | 10.95% | -121 bps | |
| Net Interest Margin | 3.74% | 3.68% | 3.58% | 3.84% | 4.00% | 3.99% | 3.84% | 4.09% | +26 bps | |
| Efficiency Ratio | 62.99% | 62.72% | 58.70% | 56.12% | 60.81% | 61.35% | 57.74% | 57.61% | +149 bps | |
| Non-Interest Burden | 2.17% | 2.11% | 1.93% | 1.94% | 2.25% | 2.27% | 2.01% | 2.16% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 4.65% | 2.66% | 1.38% | 3.02% | -1.97% | -2.60% | -1.55% | -293 bps | |
| Loan Growth (YoY) | -2.11% | 0.40% | 4.88% | 2.06% | 7.14% | 1.42% | 0.04% | 6.70% | +464 bps | |
| Deposit Growth (YoY) | 6.54% | 4.19% | 1.73% | 0.40% | -3.60% | -3.82% | -4.05% | -4.13% | -453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.42% | 0.33% | 0.22% | 0.26% | 0.12% | 0.12% | 0.04% | -18 bps | |
| Net Charge-Offs / Loans | 0.09% | -0.01% | -0.01% | 0.00% | 0.02% | -0.01% | 0.05% | 0.05% | +5 bps | |
| Allowance / Loans | 1.43% | 1.40% | 1.46% | 1.43% | 1.35% | 1.39% | 1.46% | 1.32% | -11 bps | |
| Allowance Coverage of NPLs | 11.0x | 3.4x | 4.4x | 6.5x | 5.1x | 11.1x | 12.6x | 33.7x | +27.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.23% | 13.61% | 12.44% | 12.96% | 13.82% | 14.20% | 13.65% | 14.11% | +115 bps | |
| Total Risk-Based Capital | 13.23% | 13.61% | 12.44% | 12.96% | 13.82% | 14.20% | 13.65% | 14.11% | +115 bps | |
| Equity / Assets | 12.92% | 12.11% | 11.87% | 12.66% | 13.38% | 13.92% | 13.39% | 14.08% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.95% | 59.68% | 54.75% | 60.39% | 68.85% | 62.94% | 57.09% | 67.22% | +682 bps | |
| Liquid Assets / Assets | 5.10% | 7.46% | 13.37% | 8.28% | 1.43% | 1.22% | 10.91% | 2.17% | -612 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.31% | 63.07% | 59.77% | n/a | n/a | |