Putnam County State Bank
Unionville, MO · Cert 22895 · Peer group: banks under $1B in assets in MO (n=82-83) · Putnam County Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$317.6MAssets
$236.2MLoans
$273.7MDeposits
$42.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in MO (rank 2 of 83).
- Widest gap: net interest margin trails 77% of banks under $1B in assets in MO (rank 64 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.74%
Rank 22 of 83
Net Interest Margin
3.34%
Rank 64 of 83
Efficiency Ratio
34.85%
Rank 2 of 83
Equity / Assets
13.43%
Rank 20 of 83
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 99% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.96% | 1.32% | 1.75% | Beats 73% | 22 / 83 | |
| Return on Equity | 12.96% | 9.66% | 12.96% | 15.76% | Beats 49% | 42 / 83 | |
| Net Interest Margin | 3.34% | 3.35% | 3.85% | 4.16% | Beats 23% | 64 / 83 | |
| Efficiency Ratio | 34.85% | 49.83% | 58.83% | 68.51% | Beats 99% | 2 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.08% | 0.51% | 1.01% | Beats 44% | 47 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 73% | 23 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 11.01% | 12.49% | 14.98% | Beats 60% | 33 / 83 | |
| Total Risk-Based Capital Ratio | 13.52% | 11.13% | 13.01% | 15.10% | Beats 54% | 38 / 83 | |
| Equity / Assets | 13.43% | 8.83% | 10.71% | 13.29% | Beats 76% | 20 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 86.31% | 69.28% | 83.22% | 91.21% | 59th pctl | 34 / 82 | |
| Loans / Assets | 74.38% | 59.34% | 71.15% | 78.36% | 58th pctl | 35 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |