Clay County Savings Bank
Liberty, MO · Cert 29764 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=41-42)
FDIC · 3 branches
Q2 2025
$141.6MAssets
$85.5MLoans
$114.7MDeposits
$19.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 16 of 41).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 42 of 42).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.86%
Rank 41 of 42
Net Interest Margin
2.07%
Rank 42 of 42
Efficiency Ratio
62.64%
Rank 26 of 42
Equity / Assets
13.40%
Rank 8 of 42
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 40% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.86% | 0.82% | 1.29% | 1.71% | Beats 2% | 41 / 42 | |
| Return on Equity | -6.44% | 8.20% | 14.11% | 21.29% | Beats 2% | 41 / 42 | |
| Net Interest Margin | 2.07% | 3.00% | 3.86% | 4.47% | Beats 0% | 42 / 42 | |
| Efficiency Ratio | 62.64% | 50.93% | 59.48% | 70.51% | Beats 40% | 26 / 42 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.04% | 0.25% | 0.92% | Beats 29% | 30 / 41 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 16 / 41 | |
| Capital |
| Tier 1 Capital Ratio | 18.37% | 10.91% | 13.42% | 18.69% | Beats 69% | 13 / 42 | |
| Total Risk-Based Capital Ratio | 19.63% | 11.32% | 14.38% | 19.92% | Beats 71% | 12 / 42 | |
| Equity / Assets | 13.40% | 8.56% | 10.12% | 11.73% | Beats 81% | 8 / 42 | |
| Liquidity & Funding |
| Loans / Deposits | 74.61% | 67.43% | 82.66% | 90.95% | 36th pctl | 27 / 42 | |
| Loans / Assets | 60.41% | 60.44% | 67.92% | 79.90% | 22nd pctl | 32 / 41 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |