Kennett, MO · Cert 19349
FDIC · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.61% | 1.50% | 1.59% | 1.53% | 1.53% | 1.52% | 1.43% | -15 bps | |
| Return on Equity | 17.13% | 16.32% | 15.72% | 16.45% | 15.33% | 15.96% | 16.25% | 15.41% | -104 bps | |
| Net Interest Margin | 4.51% | 4.41% | 4.04% | 4.18% | 4.33% | 4.24% | 4.07% | 4.04% | -14 bps | |
| Efficiency Ratio | 54.18% | 56.37% | 57.56% | 56.44% | 58.58% | 58.40% | 58.41% | 60.36% | +392 bps | |
| Non-Interest Burden | 2.25% | 2.30% | 2.16% | 2.19% | 2.36% | 2.30% | 2.22% | 2.29% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.55% | 0.05% | 1.32% | -7.33% | 3.60% | 6.59% | 2.10% | 4.78% | +1,211 bps | |
| Loan Growth (YoY) | 4.10% | 2.81% | -0.15% | 5.47% | 9.60% | 8.17% | 5.87% | 6.23% | +76 bps | |
| Deposit Growth (YoY) | -7.52% | -1.34% | -7.48% | -9.91% | 3.08% | 7.45% | 13.70% | 9.45% | +1,936 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.26% | 0.04% | 0.12% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.06% | -0.04% | -0.02% | 0.01% | 0.10% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 2.11% | 1.99% | 1.88% | 1.93% | 1.89% | 1.73% | 1.73% | 1.88% | -5 bps | |
| Allowance Coverage of NPLs | 34.9x | 440.5x | 1173.0x | 489.1x | 7.2x | 45.0x | 13.9x | 30.1x | -459.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.24% | 9.29% | 9.07% | 9.73% | 10.12% | 9.26% | 8.76% | 8.55% | -117 bps | |
| Total Risk-Based Capital | 9.24% | 9.29% | 9.07% | 9.73% | 10.12% | 9.26% | 11.78% | 12.63% | +291 bps | |
| Equity / Assets | 9.56% | 9.05% | 8.78% | 10.05% | 9.88% | 8.90% | 8.68% | 9.15% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.70% | 100.11% | 105.71% | 102.19% | 99.63% | 100.78% | 98.43% | 99.18% | -301 bps | |
| Liquid Assets / Assets | 8.00% | 4.72% | 6.43% | 4.87% | 3.91% | 4.05% | 4.15% | 3.63% | -124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 193.84% | 199.74% | n/a | |