Chillicothe State Bank
Chillicothe, MO · Cert 15546 · Peer group: banks under $1B in assets in MO (n=82-83) · C S Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
$135.2MAssets
$75.5MLoans
$122.7MDeposits
$11.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
- Widest gap: equity / assets trails 80% of banks under $1B in assets in MO (rank 66 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.26%
Rank 43 of 83
Net Interest Margin
3.84%
Rank 43 of 83
Efficiency Ratio
62.64%
Rank 55 of 83
Equity / Assets
8.58%
Rank 66 of 83
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 35% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.96% | 1.32% | 1.75% | Beats 48% | 43 / 83 | |
| Return on Equity | 14.68% | 9.66% | 12.96% | 15.76% | Beats 70% | 25 / 83 | |
| Net Interest Margin | 3.84% | 3.35% | 3.85% | 4.16% | Beats 48% | 43 / 83 | |
| Efficiency Ratio | 62.64% | 49.83% | 58.83% | 68.51% | Beats 35% | 55 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.08% | 0.51% | 1.01% | Beats 40% | 50 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 17.10% | 11.01% | 12.49% | 14.98% | Beats 84% | 13 / 83 | |
| Total Risk-Based Capital Ratio | 18.36% | 11.13% | 13.01% | 15.10% | Beats 84% | 13 / 83 | |
| Equity / Assets | 8.58% | 8.83% | 10.71% | 13.29% | Beats 20% | 66 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 61.55% | 69.28% | 83.22% | 91.21% | 13th pctl | 71 / 82 | |
| Loans / Assets | 55.86% | 59.34% | 71.15% | 78.36% | 16th pctl | 70 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |