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 | |