Osage Beach, MO · Cert 26960 · Fbol Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 | 0.28% | 0.55% | -0.55% | 0.58% | 0.80% | 0.64% | 0.54% | 0.76% | +18 bps | |
| Return on Equity | 3.79% | 7.77% | -7.63% | 7.96% | 10.66% | 8.63% | 7.59% | 10.48% | +252 bps | |
| Net Interest Margin | 3.73% | 3.68% | 3.18% | 3.47% | 3.61% | 3.48% | 3.30% | 2.90% | -57 bps | |
| Efficiency Ratio | 75.10% | 72.41% | 88.27% | 66.91% | 57.26% | 55.84% | 65.20% | 60.32% | -659 bps | |
| Non-Interest Burden | 2.76% | 2.56% | 2.75% | 2.30% | 1.94% | 1.65% | 2.03% | 1.35% | -94 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 75.04% | 61.65% | 48.37% | 40.24% | 37.91% | 44.12% | 34.58% | 24.94% | -1,530 bps | |
| Loan Growth (YoY) | 82.68% | 66.84% | 53.32% | 43.86% | 34.02% | 38.28% | 30.81% | 20.67% | -2,319 bps | |
| Deposit Growth (YoY) | 65.94% | 65.62% | 60.37% | 35.74% | 48.06% | 38.19% | 34.95% | 29.85% | -588 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.60% | 2.87% | 3.56% | 3.45% | 3.45% | 3.07% | 3.76% | 3.70% | +25 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.27% | 0.50% | 0.13% | 0.64% | 0.26% | 0.96% | +46 bps | |
| Allowance / Loans | 0.46% | 0.53% | 0.65% | 0.58% | 0.67% | 0.70% | 0.75% | 0.67% | +9 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.30% | 7.36% | 7.58% | 7.58% | 8.03% | 7.57% | 7.30% | 7.08% | -49 bps | |
| Total Risk-Based Capital | 15.38% | 15.66% | 16.96% | 17.08% | 17.88% | 16.97% | 17.22% | 17.16% | +8 bps | |
| Equity / Assets | 7.06% | 7.17% | 7.26% | 7.37% | 7.69% | 7.08% | 7.20% | 7.28% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.70% | 107.63% | 113.41% | 115.46% | 108.35% | 107.69% | 109.94% | 107.29% | -817 bps | |
| Liquid Assets / Assets | 1.20% | 2.11% | 0.49% | 0.69% | 3.09% | 4.32% | 3.13% | 3.56% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 625% | 677% | 686% | n/a | n/a | |