Southwest Missouri Bank
Carthage, MO · Cert 22876 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Southwest Missouri Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$1.2BAssets
$640.9MLoans
$1.0BDeposits
$85.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 59 of 258).
- Widest gap: equity / assets trails 96% of banks $1B-$10B in assets operating in a single state (rank 248 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.04%
Rank 169 of 258
Net Interest Margin
3.52%
Rank 123 of 258
Efficiency Ratio
69.12%
Rank 189 of 257
Equity / Assets
7.06%
Rank 248 of 258
Non-interest income vs. expense
Unfavorable gap of $26.4M · efficiency ratio beats 27% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.93% | 1.23% | 1.54% | Beats 34% | 169 / 258 | |
| Return on Equity | 14.74% | 9.26% | 11.84% | 14.74% | Beats 75% | 65 / 258 | |
| Net Interest Margin | 3.52% | 3.16% | 3.49% | 3.88% | Beats 52% | 123 / 258 | |
| Efficiency Ratio | 69.12% | 51.71% | 60.30% | 69.65% | Beats 27% | 189 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.19% | 0.46% | 0.90% | Beats 67% | 85 / 258 | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.02% | 0.07% | Beats 22% | 203 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.41% | 12.98% | 15.12% | Beats 77% | 59 / 258 | |
| Total Risk-Based Capital Ratio | 16.39% | 12.10% | 13.91% | 16.08% | Beats 77% | 59 / 258 | |
| Equity / Assets | 7.06% | 9.09% | 10.24% | 11.72% | Beats 4% | 248 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 61.41% | 73.24% | 86.34% | 95.95% | 8th pctl | 237 / 258 | |
| Loans / Assets | 53.04% | 63.01% | 72.27% | 78.40% | 9th pctl | 235 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |