Richmond, MO · Cert 57141 · Missouri Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
31
Profitability
63
Liquidity
94
Efficiency
57
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Richmond, MO · Cert 57141 · Missouri Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #82 of 114 inst. · $0.1B 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 | 1.83% | 1.65% | 1.57% | 1.69% | 1.73% | 1.49% | 1.78% | 1.83% | +14 bps | |
| Return on Equity | 13.16% | 11.80% | 11.66% | 12.58% | 12.75% | 10.94% | 13.22% | 13.46% | +89 bps | |
| Net Interest Margin | 5.24% | 5.11% | 4.86% | 4.88% | 5.09% | 5.10% | 5.12% | 5.19% | +31 bps | |
| Efficiency Ratio | 58.38% | 63.58% | 61.11% | 59.23% | 59.55% | 66.08% | 59.08% | 56.93% | -230 bps | |
| Non-Interest Burden | 2.84% | 3.06% | 2.70% | 2.65% | 2.80% | 3.18% | 2.79% | 2.74% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.19% | 10.17% | 13.66% | 13.26% | 6.64% | 9.75% | 6.54% | 4.26% | -900 bps | |
| Loan Growth (YoY) | 12.45% | 14.28% | 7.53% | 13.56% | 6.81% | 14.09% | 18.97% | 16.76% | +320 bps | |
| Deposit Growth (YoY) | 8.96% | 10.54% | 14.59% | 14.28% | 6.54% | 10.22% | 6.45% | 3.66% | -1,062 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.58% | 1.68% | 1.54% | 1.37% | 1.35% | 1.25% | 1.32% | 1.98% | +61 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.24% | 0.11% | 0.07% | 0.05% | 0.01% | 0.01% | -11 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.07% | 1.03% | 1.05% | 1.01% | 1.04% | 1.02% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.7x | 0.8x | 0.8x | 0.8x | 0.8x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.14% | 13.88% | 13.50% | 13.32% | 13.82% | 13.64% | 13.23% | 13.86% | +54 bps | |
| Total Risk-Based Capital | 18.84% | 19.22% | 18.99% | 18.74% | 18.16% | 17.74% | 17.54% | 17.06% | -168 bps | |
| Equity / Assets | 13.78% | 14.08% | 12.92% | 13.28% | 13.97% | 13.81% | 13.13% | 13.80% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.71% | 76.61% | 67.17% | 72.16% | 75.90% | 79.30% | 75.07% | 81.28% | +912 bps | |
| Liquid Assets / Assets | 24.67% | 24.69% | 32.19% | 25.03% | 26.00% | 23.78% | 26.96% | 22.16% | -286 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.10% | 158.57% | 169.61% | n/a | n/a | |
Richmond, MO · Cert 57141 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Missouri Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.82%
Rank 12 of 40
Net Interest Margin
5.19%
Rank 4 of 40
Efficiency Ratio
56.93%
Rank 18 of 40
Equity / Assets
13.80%
Rank 7 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 1.02% | 1.39% | 1.86% | Beats 70% | 12 / 40 | ||
| Return on Equity | 13.17% | 10.74% | 14.78% | 21.32% | Beats 30% | 28 / 40 | ||
| Net Interest Margin | 5.19% | 3.33% | 4.05% | 4.63% | Beats 90% | 4 / 40 | ||
| Efficiency Ratio | 56.93% | 51.70% | 58.10% | 69.29% | Beats 57% | 18 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.98% | 0.05% | 0.20% | 1.11% | Beats 10% | 36 / 39 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 51% | 20 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.21% | 11.32% | 12.27% | 16.94% | Beats 73% | 11 / 40 | ||
| Total Risk-Based Capital Ratio | 17.06% | 11.32% | 13.09% | 17.63% | Beats 73% | 11 / 40 | ||
| Equity / Assets | 13.80% | 8.41% | 10.10% | 12.34% | Beats 83% | 7 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.28% | 73.50% | 85.60% | 94.85% | 48th pctl | 21 / 40 | ||
| Loans / Assets | 69.58% | 62.75% | 69.87% | 79.23% | 48th pctl | 21 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||