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Bank of Old Monroe, The

Old Monroe, MO · Cert 1655 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Cuivre River Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$994.6MAssets
$669.2MLoans
$916.6MDeposits
$70.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 3 of 38).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the St. Louis, MO-IL area (rank 37 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.26%

Rank 10 of 40

Net Interest Margin

3.33%

Rank 17 of 40

Efficiency Ratio

46.64%

Rank 6 of 40

Equity / Assets

7.08%

Rank 37 of 40

Non-interest income vs. expense

$4.3M$18.1MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 46.64%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.64%1.04%1.26%Beats 75%10 / 40
Return on Equity17.74%6.25%9.97%13.41%Beats 90%4 / 40
Net Interest Margin3.33%3.09%3.22%3.62%Beats 57%17 / 40
Efficiency Ratio46.64%57.08%64.37%75.86%Beats 87%6 / 40
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.62%1.92%Beats 95%3 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 61%16 / 38
Capital
Tier 1 Capital Ratio10.55%10.29%12.88%15.77%Beats 30%28 / 40
Total Risk-Based Capital Ratio10.55%10.64%13.30%17.01%Beats 23%31 / 40
Equity / Assets7.08%8.59%9.46%12.46%Beats 8%37 / 40
Liquidity & Funding
Loans / Deposits73.00%66.12%79.48%94.60%35th pctl26 / 40
Loans / Assets67.28%54.69%68.52%77.46%43rd pctl23 / 40
Brokered Deposits / Depositsn/aNot reported for this institution