Community State Bank of Missouri
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
$333.9MAssets
$233.3MLoans
$296.0MDeposits
$36.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 84% of banks under $1B in assets in MO (rank 14 of 82).
- Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets in MO (rank 65 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 65% of banks under $1B in assets in MO | 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 |