Carthage, MO · Cert 22876 · Southwest Missouri Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 21.4% share · #1 of 22 inst. · $1.0B of $4.9B
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 | 0.85% | 0.77% | 0.89% | 0.94% | 0.93% | 1.13% | 0.98% | 1.08% | +14 bps | |
| Return on Equity | 15.08% | 13.56% | 16.19% | 15.88% | 14.50% | 16.86% | 14.61% | 15.69% | -19 bps | |
| Net Interest Margin | 2.97% | 3.12% | 3.20% | 3.34% | 3.45% | 3.50% | 3.47% | 3.57% | +23 bps | |
| Efficiency Ratio | 72.97% | 74.06% | 72.16% | 71.21% | 72.09% | 67.25% | 69.14% | 69.11% | -210 bps | |
| Non-Interest Burden | 1.86% | 2.06% | 2.04% | 2.10% | 2.21% | 2.01% | 2.11% | 2.17% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 2.45% | 1.81% | 3.14% | 4.52% | 6.11% | 5.45% | 4.88% | +173 bps | |
| Loan Growth (YoY) | 6.43% | 7.90% | 8.76% | 9.34% | 8.98% | 8.75% | 7.50% | 6.43% | -291 bps | |
| Deposit Growth (YoY) | 3.55% | 4.57% | 3.59% | 1.99% | 3.64% | 4.43% | 4.02% | 4.51% | +252 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.32% | 0.22% | 0.16% | 0.22% | 0.19% | 0.21% | 0.25% | +9 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.12% | 0.09% | 0.12% | 0.02% | 0.06% | 0.16% | 0.16% | +4 bps | |
| Allowance / Loans | 1.05% | 1.03% | 1.03% | 1.03% | 1.05% | 1.09% | 1.09% | 1.11% | +9 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.2x | 4.8x | 6.5x | 4.8x | 5.7x | 5.2x | 4.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.59% | 8.67% | 8.54% | 8.62% | 8.72% | 8.67% | 8.58% | 8.73% | +11 bps | |
| Total Risk-Based Capital | 16.08% | 15.93% | 16.07% | 15.96% | 16.06% | 16.07% | 16.21% | 16.39% | +43 bps | |
| Equity / Assets | 6.14% | 5.28% | 5.72% | 6.13% | 6.71% | 6.76% | 6.68% | 7.06% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.26% | 56.52% | 57.87% | 60.30% | 61.26% | 58.86% | 59.81% | 61.41% | +111 bps | |
| Liquid Assets / Assets | 2.39% | 4.77% | 3.47% | 0.74% | 0.66% | 4.94% | 2.43% | 1.42% | +68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 136.55% | 142.27% | 139.49% | n/a | n/a | |