Springfield, MO · Cert 26358 · State Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 0.9% share · #22 of 41 inst. · $0.2B of $17.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.93% | 0.86% | 0.94% | 0.96% | +12 bps | |
| Return on Equity | 11.78% | 12.94% | 11.98% | 13.16% | 13.58% | +180 bps | |
| Net Interest Margin | 3.72% | 3.93% | 3.89% | 3.99% | 3.91% | +19 bps | |
| Efficiency Ratio | 75.57% | 73.65% | 76.22% | 73.54% | 73.52% | -205 bps | |
| Non-Interest Burden | 2.66% | 2.73% | 2.80% | 2.74% | 2.67% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.01% | -2.27% | 8.13% | 6.88% | 11.90% | +689 bps | |
| Loan Growth (YoY) | 1.69% | 7.18% | 6.18% | 6.62% | 12.44% | +1,074 bps | |
| Deposit Growth (YoY) | 5.05% | -1.87% | 9.03% | 6.69% | 11.53% | +647 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.08% | 0.08% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.59% | 0.56% | 0.58% | 0.59% | 0.54% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 6.9x | 6.9x | 7.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.50% | 7.73% | 7.65% | 7.58% | 7.49% | -1 bps | |
| Total Risk-Based Capital | 11.16% | 10.56% | 10.82% | 11.09% | 10.71% | -45 bps | |
| Equity / Assets | 7.20% | 7.24% | 7.20% | 7.05% | 7.06% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.44% | 96.77% | 91.60% | 89.21% | 93.19% | +75 bps | |
| Liquid Assets / Assets | 6.00% | 3.08% | 7.11% | 11.64% | 4.60% | -141 bps | |
| CRE / Total Capital | n/a | 199.73% | 194.20% | 221% | n/a | n/a | |