Cassville, MO · Cert 26520
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.94% | 2.30% | 2.25% | 2.20% | 2.31% | 2.23% | 2.32% | 2.42% | +22 bps | |
| Return on Equity | 17.33% | 20.45% | 20.11% | 19.46% | 19.61% | 18.40% | 18.82% | 19.30% | -15 bps | |
| Net Interest Margin | 4.34% | 4.58% | 4.34% | 4.64% | 4.80% | 4.71% | 4.73% | 4.89% | +24 bps | |
| Efficiency Ratio | 49.18% | 43.28% | 44.37% | 45.12% | 43.69% | 44.59% | 42.85% | 42.14% | -298 bps | |
| Non-Interest Burden | 1.70% | 1.54% | 1.35% | 1.70% | 1.67% | 1.68% | 1.62% | 1.61% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.86% | 11.49% | 13.63% | 11.96% | 8.43% | 6.67% | 3.03% | 4.66% | -730 bps | |
| Loan Growth (YoY) | 7.97% | 9.33% | 8.36% | 7.57% | 5.64% | 8.81% | 8.52% | 4.20% | -337 bps | |
| Deposit Growth (YoY) | 7.48% | 11.53% | 13.59% | 11.63% | 7.54% | 5.60% | 1.54% | 3.30% | -833 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.93% | 2.95% | 3.77% | 3.27% | 2.91% | 2.77% | 2.42% | 2.18% | -109 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.06% | 0.04% | 0.29% | -0.04% | 0.33% | 0.09% | -0.12% | -41 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.27% | 1.23% | 1.29% | 1.20% | 1.24% | 1.37% | +14 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.3x | 0.4x | 0.4x | 0.4x | 0.5x | 0.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.47% | 11.35% | 11.33% | 11.56% | 11.92% | 12.22% | 12.36% | 12.74% | +118 bps | |
| Total Risk-Based Capital | 11.47% | 11.35% | 11.33% | 11.56% | 11.92% | 12.22% | 12.36% | 12.74% | +118 bps | |
| Equity / Assets | 11.20% | 11.28% | 11.09% | 11.56% | 11.99% | 12.22% | 12.38% | 12.71% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.03% | 92.37% | 86.99% | 89.05% | 90.40% | 95.18% | 92.98% | 89.83% | +78 bps | |
| Liquid Assets / Assets | 6.16% | 6.35% | 8.56% | 9.30% | 6.51% | 5.55% | 8.55% | 10.75% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 146.05% | 145.89% | 142.59% | n/a | n/a | |