Seymour, MO · Cert 15701 · Cottonrudy Investment Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 1.1% share · #20 of 41 inst. · $0.2B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.77% | 0.78% | 1.00% | 1.02% | +32 bps | |
| Return on Equity | 10.00% | 10.53% | 10.42% | 12.23% | 12.16% | +217 bps | |
| Net Interest Margin | 3.29% | 3.39% | 3.36% | 3.46% | 3.76% | +46 bps | |
| Efficiency Ratio | 77.53% | 75.72% | 75.29% | 68.45% | 68.53% | -900 bps | |
| Non-Interest Burden | 2.42% | 2.41% | 2.37% | 2.17% | 2.37% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | -0.28% | -0.14% | 0.85% | 0.67% | -149 bps | |
| Loan Growth (YoY) | 0.45% | 2.64% | 1.66% | 4.24% | 8.37% | +792 bps | |
| Deposit Growth (YoY) | 2.06% | -3.65% | -2.04% | -0.46% | 6.10% | +405 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.68% | 0.53% | 0.46% | +45 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | 0.06% | 0.04% | 0.07% | +7 bps | |
| Allowance / Loans | 1.23% | 1.16% | 1.14% | 1.12% | 1.12% | -10 bps | |
| Allowance Coverage of NPLs | 116.3x | n/a | 1.7x | 2.1x | 2.4x | -113.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.79% | 10.99% | 11.01% | 10.69% | 11.30% | +51 bps | |
| Total Risk-Based Capital | 10.79% | 10.99% | 11.01% | 10.69% | 11.30% | +51 bps | |
| Equity / Assets | 7.49% | 8.22% | 8.15% | 8.25% | 8.77% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.40% | 74.70% | 66.98% | 73.78% | 73.95% | +154 bps | |
| Liquid Assets / Assets | 2.11% | 1.88% | 11.08% | 5.28% | 2.70% | +59 bps | |
| CRE / Total Capital | n/a | 105.57% | 101.47% | 111.94% | n/a | n/a | |