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Hamilton Bank, The

Hamilton, MO · Cert 15606 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Prism Group Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$119.8MAssets
$51.6MLoans
$112.9MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 38 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 25 of 40

Net Interest Margin

3.33%

Rank 30 of 40

Efficiency Ratio

58.10%

Rank 21 of 40

Equity / Assets

5.53%

Rank 38 of 40

Non-interest income vs. expense

$0.3M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 50% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 58.10%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%1.02%1.39%1.86%Beats 38%25 / 40
Return on Equity21.47%10.74%14.78%21.32%Beats 78%9 / 40
Net Interest Margin3.33%3.33%4.05%4.63%Beats 25%30 / 40
Efficiency Ratio58.10%51.70%58.10%69.29%Beats 50%21 / 40
Asset Quality
Nonperforming Loans / Loans0.47%0.05%0.20%1.11%Beats 38%25 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio17.21%11.32%12.27%16.94%Beats 78%9 / 40
Total Risk-Based Capital Ratio17.63%11.32%13.09%17.63%Beats 75%10 / 40
Equity / Assets5.53%8.41%10.10%12.34%Beats 5%38 / 40
Liquidity & Funding
Loans / Deposits45.74%73.50%85.60%94.85%8th pctl37 / 40
Loans / Assets43.09%62.75%69.87%79.23%8th pctl37 / 40
Brokered Deposits / Depositsn/aNot reported for this institution