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Sherwood Community Bank

Creighton, MO · Cert 1612 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40)

State charter, non-member · FDIC · 4 branches

Q2 2026

$77.9MAssets
$52.3MLoans
$71.6MDeposits
$6.2MEquity

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 82% of banks under $1B in assets in the Kansas City, MO-KS area (rank 33 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.19%

Rank 24 of 40

Net Interest Margin

4.61%

Rank 12 of 40

Efficiency Ratio

65.26%

Rank 27 of 40

Equity / Assets

8.01%

Rank 33 of 40

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 35% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 65.26%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 40%24 / 40
Return on Equity14.86%10.74%14.78%21.32%Beats 53%19 / 40
Net Interest Margin4.61%3.33%4.05%4.63%Beats 70%12 / 40
Efficiency Ratio65.26%51.70%58.10%69.29%Beats 35%27 / 40
Asset Quality
Nonperforming Loans / Loans1.30%0.05%0.20%1.11%Beats 21%32 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio12.78%11.32%12.27%16.94%Beats 60%16 / 40
Total Risk-Based Capital Ratio13.62%11.32%13.09%17.63%Beats 57%17 / 40
Equity / Assets8.01%8.41%10.10%12.34%Beats 18%33 / 40
Liquidity & Funding
Loans / Deposits73.01%73.50%85.60%94.85%23rd pctl31 / 40
Loans / Assets67.07%62.75%69.87%79.23%35th pctl26 / 40
Brokered Deposits / Depositsn/aNot reported for this institution