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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.73% | 1.49% | 1.78% | 1.83% | +14 bps | |
| Return on Equity | 12.58% | 12.75% | 10.94% | 13.22% | 13.46% | +89 bps | |
| Net Interest Margin | 4.88% | 5.09% | 5.10% | 5.12% | 5.19% | +31 bps | |
| Efficiency Ratio | 59.23% | 59.55% | 66.08% | 59.08% | 56.93% | -230 bps | |
| Non-Interest Burden | 2.65% | 2.80% | 3.18% | 2.79% | 2.74% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.26% | 6.64% | 9.75% | 6.54% | 4.26% | -900 bps | |
| Loan Growth (YoY) | 13.56% | 6.81% | 14.09% | 18.97% | 16.76% | +320 bps | |
| Deposit Growth (YoY) | 14.28% | 6.54% | 10.22% | 6.45% | 3.66% | -1,062 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.37% | 1.35% | 1.25% | 1.32% | 1.98% | +61 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.05% | 0.01% | 0.01% | -11 bps | |
| Allowance / Loans | 1.03% | 1.05% | 1.01% | 1.04% | 1.02% | -1 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.8x | 0.5x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.32% | 13.82% | 13.64% | 13.23% | 13.86% | +54 bps | |
| Total Risk-Based Capital | 18.74% | 18.16% | 17.74% | 17.54% | 17.06% | -168 bps | |
| Equity / Assets | 13.28% | 13.97% | 13.81% | 13.13% | 13.80% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.16% | 75.90% | 79.30% | 75.07% | 81.28% | +912 bps | |
| Liquid Assets / Assets | 25.03% | 26.00% | 23.78% | 26.96% | 22.16% | -286 bps | |
| CRE / Total Capital | n/a | 154.10% | 158.57% | 169.61% | n/a | n/a | |