Hannibal, MO · Cert 4540 · R Dean Phillips Bk Tr Dated 11-19-2004
National charter · OCC · 6 affiliate banks · 17 branches (43 in holding)
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #39 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 | 1.49% | 1.55% | 1.79% | 1.88% | 1.92% | 1.94% | 2.01% | 2.09% | +21 bps | |
| Return on Equity | 14.55% | 14.92% | 16.37% | 16.98% | 17.02% | 17.01% | 16.58% | 17.91% | +93 bps | |
| Net Interest Margin | 3.55% | 3.54% | 3.65% | 3.70% | 3.76% | 3.80% | 3.98% | 3.47% | -22 bps | |
| Efficiency Ratio | 50.94% | 49.99% | 44.74% | 43.28% | 42.95% | 42.53% | 42.25% | 41.77% | -151 bps | |
| Non-Interest Burden | 1.56% | 1.52% | 1.33% | 1.29% | 1.29% | 1.29% | 1.32% | 1.18% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.38% | 5.55% | 11.63% | 7.39% | 4.64% | 5.12% | 3.26% | 36.77% | +2,938 bps | |
| Loan Growth (YoY) | 15.11% | 10.78% | 9.26% | 3.79% | 2.49% | 6.41% | 5.99% | 36.60% | +3,281 bps | |
| Deposit Growth (YoY) | 6.21% | 8.98% | 12.87% | 9.13% | 6.02% | 6.46% | 4.02% | 38.68% | +2,955 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.20% | 0.18% | 0.06% | 0.06% | 0.04% | 0.06% | -13 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.00% | 0.03% | 0.02% | 0.01% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.07% | 1.09% | 1.07% | 1.05% | 1.08% | 1.14% | +5 bps | |
| Allowance Coverage of NPLs | 19.0x | 18.6x | 5.5x | 5.9x | 19.1x | 16.5x | 24.7x | 20.0x | +14.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.79% | 11.65% | 11.62% | 11.97% | 12.11% | 12.60% | 9.72% | -190 bps | |
| Total Risk-Based Capital | 11.50% | 11.79% | 11.65% | 11.62% | 11.97% | 12.11% | 12.60% | 9.72% | -190 bps | |
| Equity / Assets | 10.96% | 11.00% | 10.87% | 11.26% | 11.90% | 12.02% | 12.22% | 10.94% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.23% | 81.40% | 77.21% | 76.14% | 77.56% | 81.36% | 78.67% | 75.00% | -114 bps | |
| Liquid Assets / Assets | 3.21% | 2.77% | 8.44% | 7.65% | 4.92% | 2.20% | 6.93% | 5.57% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 191.62% | 197.15% | 191.89% | n/a | n/a | |