Seneca, MO · Cert 34146 · PBS Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 9.0% share · #3 of 22 inst. · $0.4B of $4.9B
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 | 1.03% | 1.07% | 1.17% | 1.19% | 1.24% | 1.20% | 1.33% | 1.37% | +18 bps | |
| Return on Equity | 12.33% | 12.73% | 13.32% | 13.39% | 13.57% | 13.03% | 13.83% | 14.09% | +70 bps | |
| Net Interest Margin | 2.91% | 2.94% | 3.24% | 3.28% | 3.40% | 3.42% | 3.36% | 3.41% | +13 bps | |
| Efficiency Ratio | 55.16% | 56.72% | 48.52% | 49.26% | 50.18% | 51.71% | 50.55% | 48.22% | -104 bps | |
| Non-Interest Burden | 1.48% | 1.56% | 1.44% | 1.49% | 1.57% | 1.64% | 1.55% | 1.48% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.12% | 10.90% | 6.45% | 2.83% | -3.23% | 1.79% | 3.73% | 3.75% | +92 bps | |
| Loan Growth (YoY) | 16.87% | 15.01% | 12.20% | 4.09% | 0.32% | 3.02% | 4.05% | 5.10% | +100 bps | |
| Deposit Growth (YoY) | 20.55% | 15.03% | 9.75% | 5.31% | -1.70% | -1.46% | 2.64% | 2.65% | -266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.61% | 0.64% | 0.26% | 0.86% | 0.23% | 1.40% | 0.90% | 1.01% | +15 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | 0.01% | 0.02% | 0.02% | 0.06% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.27% | 1.30% | 1.34% | 1.28% | 1.29% | 1.38% | +9 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.9x | 4.9x | 1.5x | 5.9x | 0.9x | 1.4x | 1.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.08% | 9.28% | 9.36% | 9.64% | 10.01% | 10.36% | 9.94% | 10.08% | +43 bps | |
| Total Risk-Based Capital | 11.41% | 9.28% | 9.36% | 9.64% | 10.01% | 10.36% | 9.94% | 10.08% | +43 bps | |
| Equity / Assets | 8.47% | 8.67% | 8.83% | 9.21% | 9.81% | 9.63% | 9.55% | 9.95% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.98% | 96.24% | 95.47% | 94.28% | 96.93% | 100.62% | 96.78% | 96.52% | +225 bps | |
| Liquid Assets / Assets | 4.47% | 3.63% | 4.58% | 4.58% | 2.12% | 3.31% | 4.71% | 4.29% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 484% | 499% | 495% | n/a | n/a | |