PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community State Bank of Missouri

Bowling Green, MO · Cert 1936

State charter, non-member · FDIC · 3 branches

Q2 2026

$333.9MAssets
$233.3MLoans
$296.0MDeposits
$36.5MEquity
Loan mix
86%RE $192.2M13%C&I $29.3M1%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $246.3M17%Noninterest $49.7MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #81 of 111 inst. · $0.1B of $141.7B

46.2% Pike
4.5% Lincoln

Executive Summary

  • Earnings: ROA of 1.37%, up 9 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.26% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.02%, down 7 bps from a year ago.
  • Funding: loans stand at 78.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+52 bps YoY

Efficiency Ratio (YTD, annualized)

53.65%-205 bps YoY

Tier 1 Leverage Ratio

11.02%-7 bps YoY

NIM

4.82%Q2 ’244.78%Q2 ’255.13%Q2 ’26-12%+18%

Non-interest income vs. expense

2.15%Q2 ’242.05%Q2 ’252.04%Q2 ’26-26%+30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.07%1.46%1.28%1.17%1.24%1.29%1.37%+9 bps
Return on Equity10.44%9.93%13.89%12.07%10.82%11.49%12.25%12.86%+79 bps
Net Interest Margin3.21%3.00%2.85%2.95%2.89%2.94%3.37%3.47%+52 bps
Efficiency Ratio60.30%61.35%52.86%55.70%57.86%56.03%54.99%53.65%-205 bps
Non-Interest Burden1.78%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 / Loans0.21%0.22%0.21%0.27%0.23%0.26%0.27%0.26%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.00%0.00%0 bps
Allowance / Loans0.83%0.85%0.84%0.81%0.76%0.71%0.73%0.73%-8 bps
Allowance Coverage of NPLs3.9x3.9x4.1x3.1x3.2x2.7x2.7x2.8x-0.2x
Capital
Tier 1 Leverage Ratio11.74%11.46%10.87%11.09%11.28%11.28%10.34%11.02%-7 bps
Total Risk-Based Capital11.74%11.46%10.87%11.09%11.28%11.28%10.34%11.02%-7 bps
Equity / Assets11.37%10.65%10.44%10.75%11.32%10.79%10.24%10.92%+17 bps
Liquidity & Funding
Loans / Deposits87.50%76.71%78.07%79.81%82.80%77.06%76.61%78.80%-101 bps
Liquid Assets / Assets2.24%7.37%6.10%4.74%2.82%5.38%6.26%2.84%-190 bps
CRE / Total Capitaln/an/an/an/a113.29%125.94%131.84%n/an/a