Billings, MO · Cert 16959 · First Miami Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (5 in holding)
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.3% share · #31 of 41 inst. · $0.1B of $17.8B
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 | 0.86% | 0.99% | 1.15% | 1.19% | 1.23% | 1.25% | 1.03% | 1.03% | -17 bps | |
| Return on Equity | 6.78% | 7.76% | 8.99% | 9.32% | 9.48% | 9.64% | 8.13% | 8.21% | -111 bps | |
| Net Interest Margin | 5.42% | 5.55% | 4.78% | 4.86% | 5.03% | 5.08% | 4.68% | 4.66% | -20 bps | |
| Efficiency Ratio | 75.46% | 72.89% | 68.72% | 68.49% | 65.63% | 65.83% | 70.72% | 71.35% | +286 bps | |
| Non-Interest Burden | 3.89% | 3.82% | 3.09% | 3.14% | 3.09% | 3.13% | 3.12% | 3.14% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | 7.08% | 4.99% | 6.78% | 7.34% | 6.43% | 7.42% | 11.10% | +431 bps | |
| Loan Growth (YoY) | -0.61% | 0.56% | 1.89% | 5.53% | 11.85% | 13.29% | 8.63% | 7.30% | +177 bps | |
| Deposit Growth (YoY) | 1.44% | 8.99% | 4.41% | 6.30% | 6.54% | 6.06% | 7.76% | 12.20% | +589 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.53% | 0.42% | 1.66% | 1.27% | 0.86% | 1.47% | 0.91% | -75 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.38% | -0.01% | 0.06% | 0.16% | 0.12% | 0.09% | 0.12% | +6 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.87% | 0.83% | 0.86% | 0.88% | 0.88% | 0.84% | +1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 2.1x | 0.5x | 0.7x | 1.0x | 0.6x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.72% | 10.07% | 10.15% | 10.46% | 10.67% | 10.07% | 9.88% | -27 bps | |
| Total Risk-Based Capital | 10.08% | 10.72% | 10.07% | 10.15% | 10.46% | 10.67% | 10.07% | 9.88% | -27 bps | |
| Equity / Assets | 13.08% | 13.05% | 12.46% | 12.98% | 13.27% | 13.17% | 12.23% | 12.28% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.09% | 88.52% | 85.99% | 90.58% | 94.58% | 94.55% | 86.69% | 86.62% | -396 bps | |
| Liquid Assets / Assets | 10.75% | 8.48% | 12.20% | 10.42% | 5.87% | 7.17% | 13.47% | 7.04% | -338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 239% | 254% | 245% | n/a | n/a | |