Richmond, MO · Cert 15751 · State Holding Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Columbia, MO · 2026 SOD (annual) · 0.6% share · #22 of 29 inst. · $0.0B of $6.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.46% | 0.08% | -0.22% | -0.13% | 0.01%1 | -2.53% | -0.96% | -74 bps | |
| Return on Equity | 4.93% | 4.07% | 0.75% | -2.07% | -1.18% | 0.11% | -17.62% | -6.65% | -457 bps | |
| Net Interest Margin | 3.14% | 2.84% | 3.65% | 3.64% | 3.66% | 3.83% | 4.64% | 4.63% | +99 bps | |
| Efficiency Ratio | 64.45% | 68.39% | 85.68% | 92.93% | 92.01% | 89.92% | 155.35% | 115.56% | +2,263 bps | |
| Non-Interest Burden | 2.04% | 1.96% | 3.18% | 3.45% | 3.44% | 3.51% | 7.34% | 5.44% | +199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 103.81% | 142.43% | 105.65% | 48.42% | 21.09% | 12.16% | 5.13% | -1.37% | -4,978 bps | |
| Loan Growth (YoY) | 47.28% | 96.40% | 164.06% | 168.95% | 105.03% | 87.41% | 77.69% | 56.25% | -11,271 bps | |
| Deposit Growth (YoY) | 94.76% | 134.64% | 116.85% | 50.16% | 20.29% | 7.89% | 2.41% | -5.68% | -5,584 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.39% | 0.05% | 0.26% | 0.34% | 0.18% | 0.00% | 0.00% | -26 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.00% | 1.00% | 1.00% | 1.00% | 1.11% | 1.25% | 1.27% | +27 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.6x | 22.1x | 3.9x | 3.0x | 6.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.56% | 9.26% | 9.07% | 8.30% | 8.10% | 12.95% | 11.97% | 12.58% | +428 bps | |
| Total Risk-Based Capital | 32.94% | 35.23% | 30.43% | 24.41% | 17.46% | 12.95% | 11.97% | 12.58% | -1,184 bps | |
| Equity / Assets | 9.93% | 11.12% | 10.82% | 10.15% | 10.32% | 14.53% | 14.22% | 14.47% | +432 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.66% | 34.20% | 39.63% | 44.37% | 48.85% | 59.41% | 68.76% | 73.50% | +2,913 bps | |
| Liquid Assets / Assets | 47.95% | 47.77% | 45.08% | 31.62% | 29.07% | 38.84% | 29.37% | 26.65% | -497 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 106.76% | 80.70% | 109.35% | n/a | n/a | |