Greenville, MO · Cert 22394 · Greenville Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
15
Profitability
69
Liquidity
100
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greenville, MO · Cert 22394 · Greenville Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.3% share · #34 of 41 inst. · $0.1B of $17.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.80% | 1.30% | 1.72% | 1.91% | 1.88% | 2.23% | 2.05% | +33 bps | |
| Return on Equity | 10.72% | 10.57% | 7.61% | 10.12% | 11.07% | 10.73% | 11.95% | 11.14% | +102 bps | |
| Net Interest Margin | 3.70% | 3.79% | 3.95% | 4.06% | 4.19% | 4.23% | 4.32% | 4.33% | +27 bps | |
| Efficiency Ratio | 46.11% | 47.48% | 60.34% | 50.20% | 46.52% | 47.67% | 40.34% | 44.88% | -532 bps | |
| Non-Interest Burden | 1.33% | 1.42% | 2.13% | 1.72% | 1.59% | 1.68% | 1.33% | 1.57% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.63% | 4.85% | 5.14% | 2.09% | 2.41% | 2.01% | 1.61% | 4.07% | +199 bps | |
| Loan Growth (YoY) | 0.27% | 0.75% | 2.06% | 3.09% | 3.79% | 6.53% | 6.74% | 7.35% | +426 bps | |
| Deposit Growth (YoY) | 5.38% | 4.75% | 5.23% | 1.23% | 1.48% | -0.05% | -0.66% | 2.37% | +114 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 1.06% | 1.16% | 1.79% | 1.56% | 1.50% | 1.59% | 1.23% | -56 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.08% | 0.00% | 0.06% | 0.06% | 0.17% | -0.05% | -0.02% | -7 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.17% | 1.19% | 1.19% | 1.10% | 1.16% | 1.19% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.1x | 1.0x | 0.7x | 0.8x | 0.7x | 0.7x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.88% | 18.45% | 18.43% | 17.85% | 18.72% | 19.16% | 19.56% | 18.54% | +69 bps | |
| Total Risk-Based Capital | 17.88% | 18.45% | 18.43% | 17.85% | 18.72% | 19.16% | 19.56% | 18.54% | +69 bps | |
| Equity / Assets | 17.24% | 17.22% | 17.08% | 16.79% | 18.00% | 18.63% | 18.71% | 17.87% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.15% | 79.75% | 78.42% | 79.39% | 82.99% | 85.00% | 84.26% | 83.25% | +386 bps | |
| Liquid Assets / Assets | 3.71% | 5.53% | 7.49% | 6.91% | 5.81% | 6.50% | 10.18% | 10.14% | +323 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 120.00% | 122.50% | 113.71% | n/a | n/a | |
Greenville, MO · Cert 22394 · Peer group: banks under $1B in assets in MO (n=82-83) · Greenville Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Return on Assets
2.01%
Rank 9 of 83
Net Interest Margin
4.33%
Rank 16 of 83
Efficiency Ratio
44.88%
Rank 13 of 83
Equity / Assets
17.87%
Rank 4 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.01% | 0.96% | 1.32% | 1.75% | Beats 89% | 9 / 83 | ||
| Return on Equity | 11.27% | 9.66% | 12.96% | 15.76% | Beats 36% | 53 / 83 | ||
| Net Interest Margin | 4.33% | 3.35% | 3.85% | 4.16% | Beats 81% | 16 / 83 | ||
| Efficiency Ratio | 44.88% | 49.83% | 58.83% | 68.51% | Beats 86% | 13 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.08% | 0.51% | 1.01% | Beats 22% | 65 / 82 | ||
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.06% | Beats 7% | 77 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.54% | 11.01% | 12.49% | 14.98% | Beats 87% | 11 / 83 | ||
| Total Risk-Based Capital Ratio | 18.54% | 11.13% | 13.01% | 15.10% | Beats 86% | 12 / 83 | ||
| Equity / Assets | 17.87% | 8.83% | 10.71% | 13.29% | Beats 95% | 4 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.25% | 69.28% | 83.22% | 91.21% | 51st pctl | 40 / 82 | ||
| Loans / Assets | 67.92% | 59.34% | 71.15% | 78.36% | 39th pctl | 51 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||