Bowling Green, MO · Cert 1936
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
73
Profitability
44
Liquidity
83
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bowling Green, MO · Cert 1936
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #81 of 111 inst. · $0.1B of $141.7B
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 | 1.13% | 1.07% | 1.46% | 1.28% | 1.17% | 1.24% | 1.29% | 1.37% | +9 bps | |
| Return on Equity | 10.44% | 9.93% | 13.89% | 12.07% | 10.82% | 11.49% | 12.25% | 12.86% | +79 bps | |
| Net Interest Margin | 3.21% | 3.00% | 2.85% | 2.95% | 2.89% | 2.94% | 3.37% | 3.47% | +52 bps | |
| Efficiency Ratio | 60.30% | 61.35% | 52.86% | 55.70% | 57.86% | 56.03% | 54.99% | 53.65% | -205 bps | |
| Non-Interest Burden | 1.78% | 1.70% | 0.97% | 1.31% | 1.42% | 1.42% | 1.71% | 1.71% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.12% | 5.80% | 7.87% | 8.71% | 7.69% | 9.28% | 7.61% | 3.73% | -498 bps | |
| Loan Growth (YoY) | 9.63% | 3.06% | 1.35% | 2.13% | 4.72% | 9.61% | 5.84% | 2.22% | +9 bps | |
| Deposit Growth (YoY) | 2.51% | 5.82% | 9.34% | 14.29% | 10.66% | 9.10% | 7.85% | 3.53% | -1,076 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.22% | 0.21% | 0.27% | 0.23% | 0.26% | 0.27% | 0.26% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.85% | 0.84% | 0.81% | 0.76% | 0.71% | 0.73% | 0.73% | -8 bps | |
| Allowance Coverage of NPLs | 3.9x | 3.9x | 4.1x | 3.1x | 3.2x | 2.7x | 2.7x | 2.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.74% | 11.46% | 10.87% | 11.09% | 11.28% | 11.28% | 10.34% | 11.02% | -7 bps | |
| Total Risk-Based Capital | 11.74% | 11.46% | 10.87% | 11.09% | 11.28% | 11.28% | 10.34% | 11.02% | -7 bps | |
| Equity / Assets | 11.37% | 10.65% | 10.44% | 10.75% | 11.32% | 10.79% | 10.24% | 10.92% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.50% | 76.71% | 78.07% | 79.81% | 82.80% | 77.06% | 76.61% | 78.80% | -101 bps | |
| Liquid Assets / Assets | 2.24% | 7.37% | 6.10% | 4.74% | 2.82% | 5.38% | 6.26% | 2.84% | -190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 113.29% | 125.94% | 131.84% | n/a | n/a | |
Bowling Green, MO · Cert 1936 · Peer group: banks under $1B in assets in MO (n=82-83)
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.40%
Rank 37 of 83
Net Interest Margin
3.47%
Rank 59 of 83
Efficiency Ratio
53.65%
Rank 30 of 83
Equity / Assets
10.92%
Rank 37 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.96% | 1.32% | 1.75% | Beats 55% | 37 / 83 | ||
| Return on Equity | 12.83% | 9.66% | 12.96% | 15.76% | Beats 47% | 44 / 83 | ||
| Net Interest Margin | 3.47% | 3.35% | 3.85% | 4.16% | Beats 29% | 59 / 83 | ||
| Efficiency Ratio | 53.65% | 49.83% | 58.83% | 68.51% | Beats 65% | 30 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.08% | 0.51% | 1.01% | Beats 62% | 32 / 82 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 84% | 14 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 11.01% | 12.49% | 14.98% | Beats 25% | 62 / 83 | ||
| Total Risk-Based Capital Ratio | 11.02% | 11.13% | 13.01% | 15.10% | Beats 22% | 65 / 83 | ||
| Equity / Assets | 10.92% | 8.83% | 10.71% | 13.29% | Beats 55% | 37 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.80% | 69.28% | 83.22% | 91.21% | 41st pctl | 48 / 82 | ||
| Loans / Assets | 69.87% | 59.34% | 71.15% | 78.36% | 47th pctl | 44 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||