Marshall, MO · Cert 22636 · Marshall Cmty Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #98 of 114 inst. · $0.0B of $99.1B
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 | 0.89% | 0.89% | 0.93% | 1.03% | 1.15% | 1.23% | 1.24% | 1.03% | +1 bps | |
| Return on Equity | 11.83% | 11.68% | 12.40% | 12.91% | 13.52% | 13.69% | 14.15% | 12.16% | -75 bps | |
| Net Interest Margin | 2.66% | 2.71% | 2.81% | 2.85% | 3.03% | 3.13% | 3.11% | 3.04% | +18 bps | |
| Efficiency Ratio | 62.86% | 62.00% | 57.36% | 59.18% | 57.24% | 57.46% | 53.76% | 61.14% | +197 bps | |
| Non-Interest Burden | 1.48% | 1.50% | 1.41% | 1.51% | 1.53% | 1.59% | 1.45% | 1.66% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.75% | 2.75% | 2.11% | 2.10% | 1.50% | 0.34% | 3.99% | 4.76% | +265 bps | |
| Loan Growth (YoY) | 4.19% | 3.57% | 6.95% | 6.69% | 10.17% | 8.05% | 10.65% | 9.44% | +275 bps | |
| Deposit Growth (YoY) | 3.01% | 1.33% | 0.94% | 0.83% | 0.69% | -0.68% | 3.17% | 4.23% | +340 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.04% | 0.01% | 0.24% | 0.06% | 0.09% | 0.04% | 1.01% | +77 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.03% | 0.10% | -0.02% | -0.03% | 0.01% | 0.16% | -0.04% | -2 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.50% | 1.47% | 1.39% | 1.39% | 1.36% | 1.36% | -11 bps | |
| Allowance Coverage of NPLs | 60.6x | 33.6x | 297.8x | 6.1x | 25.1x | 16.1x | 30.4x | 1.3x | -4.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.51% | 9.68% | 9.80% | 10.06% | 10.19% | 9.95% | 10.03% | +23 bps | |
| Total Risk-Based Capital | 19.07% | 18.27% | 9.68% | 9.80% | 10.06% | 10.19% | 9.95% | 10.03% | +23 bps | |
| Equity / Assets | 8.13% | 7.16% | 7.76% | 8.13% | 8.84% | 9.10% | 8.44% | 8.55% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.77% | 47.53% | 45.63% | 46.72% | 51.17% | 51.71% | 48.94% | 49.06% | +234 bps | |
| Liquid Assets / Assets | 2.73% | 1.37% | 4.17% | 5.32% | 3.67% | 3.24% | 7.51% | 6.35% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.67% | 85.42% | 86.36% | n/a | n/a | |