Neighbors Bank
Clarence, MO · Cert 16247 · Peer group: banks under $1B in assets in MO (n=82-83) · Columbia Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$115.6MAssets
$89.8MLoans
$82.1MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 63% of banks under $1B in assets in MO (rank 31 of 82).
- Widest gap: return on equity trails 100% of banks under $1B in assets in MO (rank 83 of 83).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-3.79%
Rank 83 of 83
Net Interest Margin
2.38%
Rank 81 of 83
Efficiency Ratio
107.44%
Rank 83 of 83
Equity / Assets
9.83%
Rank 49 of 83
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 1% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.79% | 0.96% | 1.32% | 1.75% | Beats 0% | 83 / 83 | |
| Return on Equity | -38.52% | 9.66% | 12.96% | 15.76% | Beats 0% | 83 / 83 | |
| Net Interest Margin | 2.38% | 3.35% | 3.85% | 4.16% | Beats 2% | 81 / 83 | |
| Efficiency Ratio | 107.44% | 49.83% | 58.83% | 68.51% | Beats 1% | 83 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.08% | 0.51% | 1.01% | Beats 18% | 68 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 63% | 31 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 11.01% | 12.49% | 14.98% | Beats 28% | 60 / 83 | |
| Total Risk-Based Capital Ratio | 11.06% | 11.13% | 13.01% | 15.10% | Beats 23% | 64 / 83 | |
| Equity / Assets | 9.83% | 8.83% | 10.71% | 13.29% | Beats 41% | 49 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 109.36% | 69.28% | 83.22% | 91.21% | 96th pctl | 3 / 82 | |
| Loans / Assets | 77.67% | 59.34% | 71.15% | 78.36% | 70th pctl | 25 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |