TPNB Bank
Paris, MO · Cert 4556 · Peer group: banks under $1B in assets in MO (n=82-83) · Paris Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$112.0MAssets
$66.4MLoans
$94.1MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
- Widest gap: return on equity trails 84% of banks under $1B in assets in MO (rank 70 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.95%
Rank 64 of 83
Net Interest Margin
3.31%
Rank 65 of 83
Efficiency Ratio
63.37%
Rank 56 of 83
Equity / Assets
13.64%
Rank 18 of 83
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 34% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.96% | 1.32% | 1.75% | Beats 23% | 64 / 83 | |
| Return on Equity | 6.97% | 9.66% | 12.96% | 15.76% | Beats 16% | 70 / 83 | |
| Net Interest Margin | 3.31% | 3.35% | 3.85% | 4.16% | Beats 22% | 65 / 83 | |
| Efficiency Ratio | 63.37% | 49.83% | 58.83% | 68.51% | Beats 34% | 56 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 18.36% | 11.01% | 12.49% | 14.98% | Beats 86% | 12 / 83 | |
| Total Risk-Based Capital Ratio | 19.27% | 11.13% | 13.01% | 15.10% | Beats 87% | 11 / 83 | |
| Equity / Assets | 13.64% | 8.83% | 10.71% | 13.29% | Beats 78% | 18 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 70.58% | 69.28% | 83.22% | 91.21% | 26th pctl | 61 / 82 | |
| Loans / Assets | 59.34% | 59.34% | 71.15% | 78.36% | 24th pctl | 63 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |