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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.17% | 1.24% | 1.29% | 1.37% | +9 bps | |
| Return on Equity | 12.07% | 10.82% | 11.49% | 12.25% | 12.86% | +79 bps | |
| Net Interest Margin | 2.95% | 2.89% | 2.94% | 3.37% | 3.47% | +52 bps | |
| Efficiency Ratio | 55.70% | 57.86% | 56.03% | 54.99% | 53.65% | -205 bps | |
| Non-Interest Burden | 1.31% | 1.42% | 1.42% | 1.71% | 1.71% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.71% | 7.69% | 9.28% | 7.61% | 3.73% | -498 bps | |
| Loan Growth (YoY) | 2.13% | 4.72% | 9.61% | 5.84% | 2.22% | +9 bps | |
| Deposit Growth (YoY) | 14.29% | 10.66% | 9.10% | 7.85% | 3.53% | -1,076 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.23% | 0.26% | 0.27% | 0.26% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.76% | 0.71% | 0.73% | 0.73% | -8 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.2x | 2.7x | 2.7x | 2.8x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.09% | 11.28% | 11.28% | 10.34% | 11.02% | -7 bps | |
| Total Risk-Based Capital | 11.09% | 11.28% | 11.28% | 10.34% | 11.02% | -7 bps | |
| Equity / Assets | 10.75% | 11.32% | 10.79% | 10.24% | 10.92% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.81% | 82.80% | 77.06% | 76.61% | 78.80% | -101 bps | |
| Liquid Assets / Assets | 4.74% | 2.82% | 5.38% | 6.26% | 2.84% | -190 bps | |
| CRE / Total Capital | n/a | 113.29% | 125.94% | 131.84% | n/a | n/a | |