Branson, MO · Cert 35420 · Branson Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
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 | 1.19% | 1.35% | 1.28% | 1.35% | 1.55% | 1.59% | 1.45% | 1.45% | +10 bps | |
| Return on Equity | 13.67% | 15.28% | 14.26% | 15.09% | 17.13% | 17.73% | 16.21% | 16.08% | +98 bps | |
| Net Interest Margin | 3.96% | 3.99% | 3.96% | 4.12% | 4.26% | 4.34% | 4.30% | 4.38% | +25 bps | |
| Efficiency Ratio | 63.42% | 63.32% | 62.34% | 63.02% | 60.80% | 58.73% | 62.24% | 61.00% | -202 bps | |
| Non-Interest Burden | 2.24% | 2.25% | 2.14% | 2.34% | 2.26% | 2.24% | 2.33% | 2.33% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 4.32% | 5.52% | 6.78% | 5.00% | 10.69% | 8.81% | 7.76% | +98 bps | |
| Loan Growth (YoY) | 7.94% | 9.84% | 8.50% | 10.45% | 8.33% | 7.03% | 7.93% | 7.26% | -319 bps | |
| Deposit Growth (YoY) | 8.87% | 5.07% | 6.09% | 7.89% | 5.78% | 10.92% | 8.85% | 7.92% | +3 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.69% | 0.72% | 0.72% | 0.66% | 0.63% | 0.60% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.11% | 1.14% | 1.13% | 1.14% | 1.16% | 1.18% | 1.16% | 1.19% | +5 bps | |
| Allowance Coverage of NPLs | 431.9x | 3610.0x | 1.6x | 1.6x | 1.6x | 1.8x | 1.8x | 2.0x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 8.90% | 9.19% | 9.13% | 9.10% | 9.06% | 9.17% | 9.20% | +7 bps | |
| Total Risk-Based Capital | 12.45% | 12.58% | 12.45% | 12.41% | 12.76% | 12.19% | 12.24% | 12.49% | +8 bps | |
| Equity / Assets | 8.70% | 9.00% | 8.97% | 8.98% | 9.07% | 8.92% | 9.00% | 9.07% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.81% | 97.01% | 96.69% | 96.87% | 96.06% | 93.60% | 95.87% | 96.28% | -59 bps | |
| Liquid Assets / Assets | 7.18% | 4.14% | 3.96% | 3.48% | 4.15% | 5.62% | 5.84% | 4.20% | +72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 417% | 420% | n/a | n/a | |