Seymour Bank, The
Seymour, MO · Cert 15701 · Peer group: banks under $1B in assets (n=581-629) · Cottonrudy Investment Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$224.7MAssets
$143.6MLoans
$194.3MDeposits
$19.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 66% of banks under $1B in assets (rank 213 of 629).
- Widest gap: equity / assets trails 80% of banks under $1B in assets (rank 501 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.04%
Rank 302 of 629
Net Interest Margin
3.76%
Rank 249 of 629
Efficiency Ratio
68.53%
Rank 329 of 629
Equity / Assets
8.77%
Rank 501 of 629
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.60% | 1.01% | 1.45% | Beats 52% | 302 / 629 | |
| Return on Equity | 11.90% | 5.38% | 9.30% | 13.28% | Beats 66% | 213 / 629 | |
| Net Interest Margin | 3.76% | 3.03% | 3.54% | 4.05% | Beats 60% | 249 / 629 | |
| Efficiency Ratio | 68.53% | 58.35% | 67.79% | 79.08% | Beats 48% | 329 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.46% | 1.20% | Beats 50% | 292 / 581 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 27% | 428 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.30% | 11.24% | 13.84% | 18.77% | Beats 26% | 466 / 629 | |
| Total Risk-Based Capital Ratio | 11.30% | 11.58% | 14.43% | 19.66% | Beats 22% | 491 / 629 | |
| Equity / Assets | 8.77% | 9.09% | 10.65% | 13.80% | Beats 20% | 501 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 73.95% | 67.24% | 80.90% | 93.48% | 37th pctl | 377 / 594 | |
| Loans / Assets | 63.91% | 53.31% | 67.71% | 78.15% | 43rd pctl | 361 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |