Brookfield, MO · Cert 28930 · First Missouri Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #33 of 114 inst. · $0.3B of $99.1B
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 | 1.19% | 1.22% | 1.37% | 1.40% | 1.29% | 1.35% | 1.47% | 1.51% | +11 bps | |
| Return on Equity | 11.68% | 11.99% | 13.66% | 13.73% | 12.40% | 12.85% | 13.61% | 13.81% | +9 bps | |
| Net Interest Margin | 3.47% | 3.55% | 3.78% | 3.94% | 3.83% | 3.77% | 4.17% | 4.21% | +26 bps | |
| Efficiency Ratio | 59.67% | 59.49% | 56.04% | 56.70% | 57.43% | 57.27% | 53.11% | 53.09% | -361 bps | |
| Non-Interest Burden | 1.97% | 2.01% | 1.99% | 2.11% | 2.11% | 2.10% | 2.14% | 2.17% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.76% | 4.56% | 8.50% | 1.65% | 38.51% | 36.98% | 37.85% | 38.73% | +3,707 bps | |
| Loan Growth (YoY) | 6.28% | 7.24% | 5.49% | 5.12% | 28.01% | 25.91% | 29.08% | 31.41% | +2,629 bps | |
| Deposit Growth (YoY) | 1.10% | 5.90% | 10.21% | 1.96% | 37.82% | 34.75% | 36.01% | 38.12% | +3,616 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.08% | 0.07% | 0.06% | 0.10% | 0.08% | 0.29% | 0.26% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.21% | 1.19% | 1.22% | 1.21% | 1.18% | 1.17% | -2 bps | |
| Allowance Coverage of NPLs | 23.5x | 14.6x | 17.6x | 18.7x | 11.9x | 16.0x | 4.1x | 4.5x | -14.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.32% | 10.39% | 10.44% | 10.92% | 10.49% | 10.58% | 10.62% | +18 bps | |
| Total Risk-Based Capital | 13.63% | 13.38% | 13.56% | 13.72% | 14.65% | 14.74% | 15.44% | 14.55% | +83 bps | |
| Equity / Assets | 10.24% | 10.03% | 10.07% | 10.46% | 10.97% | 10.84% | 10.79% | 11.16% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.87% | 95.77% | 95.47% | 99.57% | 90.90% | 89.49% | 90.60% | 94.73% | -484 bps | |
| Liquid Assets / Assets | 8.17% | 9.26% | 8.07% | 7.51% | 8.96% | 8.68% | 8.76% | 6.75% | -76 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 347% | 342% | 341% | n/a | n/a | |