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 (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 | 1.80% | 1.10% | 1.57% | 1.78% | 1.79% | 0.80% | 1.78% | 1.86% | +8 bps | |
| Return on Equity | 13.01% | 7.88% | 11.66% | 13.58% | 13.12% | 5.73% | 13.22% | 13.79% | +21 bps | |
| Net Interest Margin | 5.33% | 5.33% | 4.86% | 5.13% | 5.45% | 5.54% | 5.12% | 5.19% | +6 bps | |
| Efficiency Ratio | 58.77% | 78.40% | 61.11% | 57.48% | 60.13% | 84.03% | 59.08% | 54.71% | -277 bps | |
| Non-Interest Burden | 2.91% | 4.07% | 2.70% | 2.73% | 3.06% | 4.58% | 2.79% | 2.65% | -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 | 0.00% | 0.12% | 0.24% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | -1 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 | |