Farmington, MO · Cert 28277
State savings bank · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
65
Profitability
21
Liquidity
0
Efficiency
13
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Farmington, MO · Cert 28277
State savings bank · OCC · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #95 of 111 inst. · $0.0B of $141.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.04% | 0.35% | 0.42% | 0.49% | 0.52% | 0.91% | 0.87% | +44 bps | |
| Return on Equity | -0.13% | 0.31% | 2.65% | 3.20% | 3.70% | 3.94% | 6.65% | 6.14% | +294 bps | |
| Net Interest Margin | 2.13% | 2.16% | 2.69% | 2.74% | 2.83% | 2.84% | 3.21% | 3.54% | +80 bps | |
| Efficiency Ratio | 102.36% | 97.50% | 81.94% | 80.29% | 78.03% | 77.36% | 77.55% | 75.67% | -461 bps | |
| Non-Interest Burden | 2.18% | 2.10% | 2.15% | 2.13% | 2.13% | 2.12% | 2.33% | 2.53% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.18% | 11.01% | 10.97% | 8.73% | 5.63% | 6.09% | -3.90% | -5.21% | -1,393 bps | |
| Loan Growth (YoY) | 10.81% | 11.36% | 11.21% | 10.42% | 7.79% | 5.33% | -5.90% | -6.49% | -1,691 bps | |
| Deposit Growth (YoY) | 7.71% | 6.41% | 4.92% | 6.85% | 5.78% | 6.68% | 6.46% | 3.49% | -336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 0.97% | 1.00% | 1.00% | 0.84% | 1.05% | 1.19% | 0.95% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 0.88% | 0.89% | 0.92% | 0.92% | 0.94% | 0.94% | 0.95% | 0.95% | +3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.9x | 1.1x | 0.9x | 0.8x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.36% | 13.90% | 13.66% | 13.69% | 13.76% | 13.67% | 13.67% | 15.09% | +140 bps | |
| Total Risk-Based Capital | 20.52% | 20.06% | 19.60% | 19.80% | 19.85% | 19.73% | 21.36% | 21.46% | +166 bps | |
| Equity / Assets | 13.49% | 13.03% | 13.19% | 13.25% | 13.32% | 13.03% | 14.52% | 14.85% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.21% | 112.56% | 111.42% | 108.49% | 110.26% | 111.12% | 98.48% | 98.02% | -1,047 bps | |
| Liquid Assets / Assets | 4.80% | 4.89% | 3.70% | 4.82% | 3.26% | 4.23% | 5.46% | 3.78% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 73.90% | 68.79% | 61.02% | n/a | n/a | |
Farmington, MO · Cert 28277 · Peer group: banks under $1B in assets in MO (n=82-83)
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
0.90%
Rank 68 of 83
Net Interest Margin
3.54%
Rank 56 of 83
Efficiency Ratio
75.67%
Rank 73 of 83
Equity / Assets
14.85%
Rank 8 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.96% | 1.32% | 1.75% | Beats 18% | 68 / 83 | ||
| Return on Equity | 6.05% | 9.66% | 12.96% | 15.76% | Beats 12% | 73 / 83 | ||
| Net Interest Margin | 3.54% | 3.35% | 3.85% | 4.16% | Beats 33% | 56 / 83 | ||
| Efficiency Ratio | 75.67% | 49.83% | 58.83% | 68.51% | Beats 13% | 73 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.08% | 0.51% | 1.01% | Beats 30% | 58 / 82 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.36% | 11.01% | 12.49% | 14.98% | Beats 89% | 9 / 83 | ||
| Total Risk-Based Capital Ratio | 21.46% | 11.13% | 13.01% | 15.10% | Beats 92% | 7 / 83 | ||
| Equity / Assets | 14.85% | 8.83% | 10.71% | 13.29% | Beats 90% | 8 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.02% | 69.28% | 83.22% | 91.21% | 88th pctl | 10 / 82 | ||
| Loans / Assets | 80.50% | 59.34% | 71.15% | 78.36% | 82nd pctl | 15 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||