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Verimore Bank

Brookfield, MO · Cert 28930 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · First Missouri Bancshares Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$639.1MAssets
$520.5MLoans
$549.5MDeposits
$71.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 67% of banks under $1B in assets in the Kansas City, MO-KS area (rank 14 of 40).
  • Widest gap: return on equity trails 62% of banks under $1B in assets in the Kansas City, MO-KS area (rank 25 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.52%

Rank 17 of 40

Net Interest Margin

4.21%

Rank 18 of 40

Efficiency Ratio

54.68%

Rank 14 of 40

Equity / Assets

11.16%

Rank 14 of 40

Non-interest income vs. expense

$1.6M$15.6MINCOMEEXPENSE
Unfavorable gap of $13.9M · efficiency ratio beats 67% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 54.68%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%1.02%1.39%1.86%Beats 57%17 / 40
Return on Equity13.60%10.74%14.78%21.32%Beats 38%25 / 40
Net Interest Margin4.21%3.33%4.05%4.63%Beats 55%18 / 40
Efficiency Ratio54.68%51.70%58.10%69.29%Beats 67%14 / 40
Asset Quality
Nonperforming Loans / Loans0.26%0.05%0.20%1.11%Beats 46%22 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 49%21 / 39
Capital
Tier 1 Capital Ratio13.35%11.32%12.27%16.94%Beats 63%15 / 40
Total Risk-Based Capital Ratio14.55%11.32%13.09%17.63%Beats 63%15 / 40
Equity / Assets11.16%8.41%10.10%12.34%Beats 65%14 / 40
Liquidity & Funding
Loans / Deposits94.73%73.50%85.60%94.85%73rd pctl11 / 40
Loans / Assets81.44%62.75%69.87%79.23%80th pctl8 / 40
Brokered Deposits / Depositsn/aNot reported for this institution