First Missouri Bank of Semo
Kennett, MO · Cert 19349 · Peer group: banks under $1B in assets operating regionally (n=106)
FDIC · 4 branches
Q4 2025
$210.9MAssets
$188.7MLoans
$190.3MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks under $1B in assets operating regionally (rank 9 of 106).
- Widest gap: equity / assets trails 68% of banks under $1B in assets operating regionally (rank 72 of 106).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.43%
Rank 22 of 106
Net Interest Margin
4.04%
Rank 25 of 106
Efficiency Ratio
60.36%
Rank 35 of 106
Equity / Assets
9.15%
Rank 72 of 106
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 68% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.71% | 1.01% | 1.40% | Beats 79% | 22 / 106 | |
| Return on Equity | 15.64% | 7.31% | 10.18% | 13.41% | Beats 92% | 9 / 106 | |
| Net Interest Margin | 4.04% | 3.22% | 3.53% | 4.00% | Beats 76% | 25 / 106 | |
| Efficiency Ratio | 60.36% | 58.33% | 65.28% | 74.52% | Beats 68% | 35 / 106 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.11% | 0.47% | 0.99% | Beats 80% | 22 / 106 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 10.36% | 12.07% | 14.20% | Beats 40% | 64 / 106 | |
| Total Risk-Based Capital Ratio | 12.63% | 10.46% | 12.64% | 14.92% | Beats 49% | 54 / 106 | |
| Equity / Assets | 9.15% | 8.59% | 9.91% | 11.11% | Beats 32% | 72 / 106 | |
| Liquidity & Funding |
| Loans / Deposits | 99.18% | 75.63% | 83.18% | 90.11% | 85th pctl | 16 / 106 | |
| Loans / Assets | 89.48% | 64.50% | 70.72% | 79.18% | 99th pctl | 1 / 106 | |
| Brokered Deposits / Deposits | 1.58% | n/a | 0.00% | 3.93% | Beats 37% | 68 / 106 | |