Hamilton, MO · Cert 16601 · Caldwell County Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #71 of 114 inst. · $0.1B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.19% | 2.14% | 2.26% | 2.33% | 2.51% | 2.00% | 2.21% | 2.71% | +39 bps | |
| Return on Equity | 22.63% | 20.86% | 23.66% | 25.97% | 25.94% | 19.53% | 23.37% | 29.62% | +365 bps | |
| Net Interest Margin | 4.90% | 4.93% | 5.11% | 5.29% | 5.44% | 4.96% | 5.17% | 5.80% | +51 bps | |
| Efficiency Ratio | 44.14% | 46.84% | 44.49% | 44.58% | 44.26% | 49.72% | 46.36% | 41.79% | -279 bps | |
| Non-Interest Burden | 2.01% | 2.16% | 2.13% | 2.21% | 2.13% | 2.33% | 2.26% | 2.28% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.68% | -1.06% | 2.28% | 4.92% | 4.71% | 6.65% | 4.47% | -2.75% | -768 bps | |
| Loan Growth (YoY) | -0.61% | -1.07% | -0.19% | 0.62% | 5.03% | 3.72% | 2.86% | -0.41% | -103 bps | |
| Deposit Growth (YoY) | 7.44% | 4.17% | 6.88% | 11.91% | 4.81% | 6.68% | 4.57% | -3.63% | -1,554 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.07% | 0.12% | 0.13% | 0.07% | 0.18% | 0.15% | 0.16% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.07% | 0.00% | 0.16% | 0.17% | 0.00% | 0.04% | -0.10% | -27 bps | |
| Allowance / Loans | 0.99% | 1.00% | 1.01% | 0.98% | 0.94% | 0.96% | 0.98% | 1.06% | +8 bps | |
| Allowance Coverage of NPLs | 2.4x | 13.9x | 8.7x | 7.5x | 12.9x | 5.3x | 6.4x | 6.7x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 10.73% | 9.12% | 9.75% | 10.29% | 10.73% | 8.75% | 9.66% | -9 bps | |
| Total Risk-Based Capital | 10.37% | 10.73% | 9.12% | 9.75% | 10.29% | 10.73% | 8.75% | 9.66% | -9 bps | |
| Equity / Assets | 10.21% | 10.33% | 8.79% | 9.11% | 10.25% | 10.22% | 8.69% | 9.63% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.55% | 87.25% | 86.89% | 84.75% | 90.74% | 84.83% | 85.48% | 87.59% | +283 bps | |
| Liquid Assets / Assets | 2.77% | 2.44% | 5.62% | 8.24% | 2.43% | 5.69% | 3.20% | 2.15% | -609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 202% | 188.92% | 238% | n/a | n/a | |