Chillicothe, MO · Cert 29093 · Grey Mountain Holdings Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Columbia, MO · 2026 SOD (annual) · 0.1% share · #29 of 29 inst. · $0.0B of $6.7B
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 | 0.63% | 0.71% | 0.70% | 1.00% | 0.73% | 0.79% | 0.85% | 0.62% | -38 bps | |
| Return on Equity | 6.28% | 7.12% | 7.10% | 9.68% | 7.41% | 8.31% | 8.47% | 5.71% | -397 bps | |
| Net Interest Margin | 2.53% | 2.67% | 2.62% | 2.80% | 2.74% | 3.06% | 3.01% | 3.08% | +27 bps | |
| Efficiency Ratio | 63.89% | 63.80% | 71.26% | 59.89% | 65.82% | 51.57% | 64.62% | 76.33% | +1,644 bps | |
| Non-Interest Burden | 1.54% | 1.62% | 1.79% | 1.59% | 1.73% | 1.50% | 1.87% | 2.27% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.38% | 6.14% | -0.94% | 0.87% | 21.10% | 18.38% | 9.04% | 3.39% | +252 bps | |
| Loan Growth (YoY) | 21.89% | 26.31% | 9.45% | 11.21% | 6.95% | 21.20% | 18.42% | 11.31% | +10 bps | |
| Deposit Growth (YoY) | 1.48% | 3.00% | 3.06% | -1.18% | 34.88% | 23.12% | 8.38% | 13.90% | +1,508 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.52% | 0.44% | 0.76% | 0.42% | 0.73% | 0.58% | 0.62% | -14 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.19% | 0.05% | 0.00% | 0.13% | 0.12% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.31% | 1.32% | 1.28% | 1.29% | 1.31% | 1.36% | +4 bps | |
| Allowance Coverage of NPLs | 11.6x | 2.6x | 2.9x | 1.7x | 3.0x | 1.8x | 2.3x | 2.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 11.28% | 10.94% | 11.20% | 11.14% | 10.37% | 10.37% | 11.13% | -7 bps | |
| Total Risk-Based Capital | 11.46% | 11.28% | 10.94% | 11.20% | 11.14% | 10.37% | 10.37% | 11.13% | -7 bps | |
| Equity / Assets | 10.56% | 9.53% | 10.08% | 10.49% | 9.39% | 9.53% | 10.47% | 11.20% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.96% | 53.80% | 54.31% | 60.70% | 45.17% | 52.96% | 59.34% | 59.32% | -138 bps | |
| Liquid Assets / Assets | 1.89% | 0.92% | 0.78% | 1.09% | 18.62% | 11.81% | 4.88% | 3.97% | +288 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 90.67% | 83.55% | 84.40% | n/a | n/a | |