Bank of Billings
Billings, MO · Cert 16959 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 91% of banks under $1B in assets operating in a single state (rank 68 of 746).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 703 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.99%
Rank 411 of 746
Net Interest Margin
4.66%
Rank 68 of 746
Efficiency Ratio
71.35%
Rank 494 of 746
Equity / Assets
12.28%
Rank 224 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.72% | 1.06% | 1.45% | Beats 45% | 411 / 746 | | |
| Return on Equity | 8.08% | 6.74% | 10.51% | 13.63% | Beats 34% | 492 / 746 | | |
| Net Interest Margin | 4.66% | 3.17% | 3.68% | 4.16% | Beats 91% | 68 / 746 | | |
| Efficiency Ratio | 71.35% | 55.74% | 64.58% | 75.47% | Beats 34% | 494 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.09% | 0.42% | 1.07% | Beats 30% | 522 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 21% | 587 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.88% | 11.55% | 13.75% | 17.60% | Beats 6% | 701 / 746 | | |
| Total Risk-Based Capital Ratio | 9.88% | 11.71% | 14.33% | 18.43% | Beats 6% | 703 / 746 | | |
| Equity / Assets | 12.28% | 8.90% | 10.51% | 13.06% | Beats 70% | 224 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.62% | 61.31% | 78.27% | 90.78% | 67th pctl | 243 / 746 | | |
| Loans / Assets | 75.28% | 53.60% | 66.97% | 76.08% | 72nd pctl | 208 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |