First Missouri State Bank of Cape County
Cape Girardeau, MO · Cert 58230 · Peer group: banks under $1B in assets (n=495-541)
FDIC · 3 branches
Q4 2025
$235.5MAssets
$203.9MLoans
$207.4MDeposits
$19.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 72 of 495).
- Widest gap: tier 1 capital ratio trails 94% of banks under $1B in assets (rank 511 of 541).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.87%
Rank 308 of 541
Net Interest Margin
3.46%
Rank 249 of 541
Efficiency Ratio
59.88%
Rank 153 of 540
Equity / Assets
8.06%
Rank 463 of 541
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 72% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.56% | 0.97% | 1.38% | Beats 43% | 308 / 541 | |
| Return on Equity | 10.81% | 5.68% | 9.28% | 12.43% | Beats 62% | 204 / 541 | |
| Net Interest Margin | 3.46% | 2.87% | 3.39% | 3.85% | Beats 54% | 249 / 541 | |
| Efficiency Ratio | 59.88% | 58.91% | 68.65% | 80.35% | Beats 72% | 153 / 540 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.34% | 1.07% | Beats 100% | 72 / 495 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 10.99% | 13.81% | 17.99% | Beats 6% | 511 / 541 | |
| Total Risk-Based Capital Ratio | 10.83% | 11.43% | 14.30% | 18.80% | Beats 19% | 440 / 541 | |
| Equity / Assets | 8.06% | 8.87% | 10.43% | 13.26% | Beats 14% | 463 / 541 | |
| Liquidity & Funding |
| Loans / Deposits | 98.30% | 65.07% | 79.29% | 92.66% | 87th pctl | 62 / 495 | |
| Loans / Assets | 86.58% | 55.91% | 67.98% | 77.76% | 95th pctl | 24 / 495 | |
| Brokered Deposits / Deposits | 6.51% | n/a | n/a | 3.32% | Beats 16% | 425 / 506 | |