State Bank of Southwest Missouri
Springfield, MO · Cert 26358 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$183.8MAssets
$152.8MLoans
$164.0MDeposits
$13.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 93% of banks under $1B in assets operating in a single state (rank 695 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.93%
Rank 444 of 746
Net Interest Margin
3.91%
Rank 286 of 746
Efficiency Ratio
73.52%
Rank 536 of 746
Equity / Assets
7.06%
Rank 695 of 746
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.72% | 1.06% | 1.45% | Beats 40% | 444 / 746 | | |
| Return on Equity | 13.14% | 6.74% | 10.51% | 13.63% | Beats 71% | 219 / 746 | | |
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 62% | 286 / 746 | | |
| Efficiency Ratio | 73.52% | 55.74% | 64.58% | 75.47% | Beats 28% | 536 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 11.55% | 13.75% | 17.60% | Beats 9% | 678 / 746 | | |
| Total Risk-Based Capital Ratio | 10.71% | 11.71% | 14.33% | 18.43% | Beats 15% | 634 / 746 | | |
| Equity / Assets | 7.06% | 8.90% | 10.51% | 13.06% | Beats 7% | 695 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.19% | 61.31% | 78.27% | 90.78% | 80th pctl | 148 / 746 | | |
| Loans / Assets | 83.18% | 53.60% | 66.97% | 76.08% | 92nd pctl | 60 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |