Bank of Billings
Billings, MO · Cert 16959 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · First Miami Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (5 in holding)
Q2 2026
$105.0MAssets
$79.0MLoans
$91.2MDeposits
$12.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets operating in a single state (rank 72 of 752).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 709 of 752).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.99%
Rank 420 of 752
Net Interest Margin
4.66%
Rank 72 of 752
Efficiency Ratio
71.35%
Rank 498 of 752
Equity / Assets
12.28%
Rank 233 of 752
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.72% | 1.07% | 1.45% | Beats 44% | 420 / 752 | |
| Return on Equity | 8.08% | 6.78% | 10.58% | 13.65% | Beats 34% | 497 / 752 | |
| Net Interest Margin | 4.66% | 3.18% | 3.69% | 4.17% | Beats 90% | 72 / 752 | |
| Efficiency Ratio | 71.35% | 55.75% | 64.49% | 75.47% | Beats 34% | 498 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.09% | 0.42% | 1.03% | Beats 29% | 529 / 748 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 586 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 11.55% | 13.75% | 17.60% | Beats 6% | 707 / 752 | |
| Total Risk-Based Capital Ratio | 9.88% | 11.70% | 14.33% | 18.47% | Beats 6% | 709 / 752 | |
| Equity / Assets | 12.28% | 8.93% | 10.56% | 13.13% | Beats 69% | 233 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 86.62% | 62.23% | 78.64% | 91.26% | 66th pctl | 252 / 752 | |
| Loans / Assets | 75.28% | 54.61% | 67.41% | 76.47% | 71st pctl | 217 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |