Tipton, MO · Cert 1941
National charter · 2 branches
Q1 2026
Market Position · Jefferson City, MO · 2025 SOD (annual) · 2.5% share · #8 of 20 inst. · $0.2B of $6.5B
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.95% | 0.73% | 1.12% | 1.18% | 1.24% | 0.98% | 0.73% | -39 bps | |
| Return on Equity | 10.13% | 10.61% | 8.14% | 12.48% | 13.11% | 13.52% | 10.61% | 7.63% | -484 bps | |
| Net Interest Margin | 2.49% | 2.52% | 2.56% | 2.67% | 2.78% | 2.82% | 2.89% | 3.09% | +42 bps | |
| Efficiency Ratio | 57.13% | 56.31% | 65.46% | 51.14% | 49.25% | 47.94% | 57.62% | 47.25% | -389 bps | |
| Non-Interest Burden | 1.35% | 1.34% | 1.61% | 1.27% | 1.27% | 1.25% | 1.59% | 1.33% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 8.54% | 5.05% | 8.70% | 10.09% | 8.02% | 8.51% | 5.64% | -306 bps | |
| Loan Growth (YoY) | 4.83% | 5.53% | 9.50% | 9.62% | 9.04% | 10.02% | 8.76% | 10.23% | +61 bps | |
| Deposit Growth (YoY) | 1.15% | 7.15% | 4.83% | 6.57% | 8.30% | 6.11% | 5.99% | 5.32% | -125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.04% | 1.10% | 0.20% | 0.40% | 0.50% | 1.20% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.00% | 0.00% | -0.01% | 0.07% | 1.21% | +121 bps | |
| Allowance / Loans | 1.42% | 1.37% | 1.33% | 1.33% | 1.38% | 1.33% | 1.29% | 1.25% | -8 bps | |
| Allowance Coverage of NPLs | 27.8x | 42.6x | 29.6x | 1.2x | 6.9x | 3.3x | 2.6x | 1.0x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.34% | 11.39% | 11.13% | 11.09% | 10.98% | 11.02% | 10.80% | 10.79% | -30 bps | |
| Total Risk-Based Capital | 11.34% | 11.39% | 11.13% | 11.09% | 10.98% | 11.02% | 10.80% | 10.79% | -30 bps | |
| Equity / Assets | 8.91% | 9.50% | 8.94% | 9.00% | 9.04% | 9.65% | 9.61% | 9.48% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.59% | 78.19% | 83.23% | 81.03% | 78.13% | 81.07% | 85.40% | 84.81% | +378 bps | |
| Liquid Assets / Assets | 7.95% | 8.13% | 3.91% | 7.60% | 9.64% | 6.81% | 3.64% | 4.91% | -269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 69.88% | 82.77% | 87.52% | n/a | |