Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
58
Profitability
20
Liquidity
59
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #92 of 111 inst. · $0.0B of $141.7B
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 | 0.15% | 0.15% | 0.48% | 0.44% | 0.37% | 0.37% | 0.44% | 0.53% | +9 bps | |
| Return on Equity | 5.58% | 5.45% | 14.63% | 12.75% | 9.92% | 9.14% | 9.02% | 10.73% | -202 bps | |
| Net Interest Margin | 2.91% | 2.95% | 3.01% | 3.05% | 3.07% | 3.12% | 3.24% | 3.35% | +30 bps | |
| Efficiency Ratio | 97.24% | 96.65% | 85.62% | 86.92% | 88.35% | 88.44% | 85.70% | 81.68% | -524 bps | |
| Non-Interest Burden | 2.78% | 2.80% | 2.30% | 2.44% | 2.54% | 2.59% | 2.57% | 2.44% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | -3.44% | 1.76% | 5.15% | 7.22% | 8.43% | 6.53% | 6.79% | +165 bps | |
| Loan Growth (YoY) | 25.49% | 16.66% | 18.19% | 9.26% | 12.13% | 12.42% | 12.50% | 16.11% | +686 bps | |
| Deposit Growth (YoY) | 1.94% | 5.03% | 8.12% | 9.49% | 12.58% | 11.94% | 6.61% | 6.90% | -259 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.00% | 0.00% | 0.12% | 0.03% | 0.02% | 0.00% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | 0.01% | 0.00% | 0.01% | 0.01% | 0.04% | 0.19% | +19 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 1.5x | n/a | n/a | 8.3x | 29.9x | 59.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.64% | 7.73% | 7.83% | 7.63% | 7.97% | 8.08% | 7.97% | 8.06% | +43 bps | |
| Total Risk-Based Capital | 10.81% | 10.86% | 10.60% | 10.58% | 11.15% | 11.19% | 11.03% | 10.94% | +36 bps | |
| Equity / Assets | 3.87% | 3.02% | 3.52% | 3.67% | 4.69% | 5.04% | 4.81% | 4.97% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.69% | 69.90% | 66.66% | 66.59% | 67.42% | 70.20% | 70.34% | 72.33% | +574 bps | |
| Liquid Assets / Assets | 4.47% | 2.54% | 5.06% | 5.36% | 5.99% | 2.20% | 3.88% | 3.04% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 277% | 287% | n/a | n/a | |
Steelville, MO · Cert 1639 · Peer group: banks under $1B in assets in MO (n=82-83) · Steelville Cmty Banc-Shares
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
0.52%
Rank 78 of 83
Net Interest Margin
3.35%
Rank 63 of 83
Efficiency Ratio
81.68%
Rank 78 of 83
Equity / Assets
4.97%
Rank 83 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.96% | 1.32% | 1.75% | Beats 6% | 78 / 83 | ||
| Return on Equity | 10.40% | 9.66% | 12.96% | 15.76% | Beats 29% | 59 / 83 | ||
| Net Interest Margin | 3.35% | 3.35% | 3.85% | 4.16% | Beats 24% | 63 / 83 | ||
| Efficiency Ratio | 81.68% | 49.83% | 58.83% | 68.51% | Beats 7% | 78 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.06% | Beats 15% | 71 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.11% | 11.01% | 12.49% | 14.98% | Beats 11% | 74 / 83 | ||
| Total Risk-Based Capital Ratio | 10.94% | 11.13% | 13.01% | 15.10% | Beats 17% | 69 / 83 | ||
| Equity / Assets | 4.97% | 8.83% | 10.71% | 13.29% | Beats 0% | 83 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.33% | 69.28% | 83.22% | 91.21% | 28th pctl | 59 / 82 | ||
| Loans / Assets | 64.31% | 59.34% | 71.15% | 78.36% | 33rd pctl | 56 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||