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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.92% | 1.46% | 1.10% | 0.94% | 1.47% | 1.29% | 1.45% | +35 bps | |
| Return on Equity | 8.14% | 8.33% | 13.89% | 10.42% | 8.50% | 13.28% | 12.25% | 13.74% | +333 bps | |
| Net Interest Margin | 2.93% | 2.83% | 2.85% | 3.08% | 2.85% | 3.42% | 3.37% | 3.50% | +43 bps | |
| Efficiency Ratio | 66.21% | 64.71% | 52.86% | 58.95% | 62.82% | 51.15% | 54.99% | 52.32% | -662 bps | |
| Non-Interest Burden | 1.80% | 1.69% | 0.97% | 1.67% | 1.67% | 1.57% | 1.71% | 1.68% | +2 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 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 | |