Cape Girardeau, MO · Cert 58230
FDIC · 3 branches
Q4 2025
Market Position · Cape Girardeau, MO-IL · 2025 SOD (annual) · 5.6% share · #8 of 16 inst. · $0.2B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.94% | 1.21% | 0.86% | 0.59% | -41 bps | |
| Return on Equity | 11.75% | 10.92% | 13.88% | 9.53% | 6.88% | -488 bps | |
| Net Interest Margin | 3.40% | 3.33% | 3.51% | 3.58% | 3.64% | +24 bps | |
| Efficiency Ratio | 61.86% | 62.80% | 60.56% | 58.64% | 57.76% | -410 bps | |
| Non-Interest Burden | 1.99% | 1.93% | 1.97% | 1.96% | 1.99% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.72% | 7.89% | 8.69% | 0.15% | 5.30% | -542 bps | |
| Loan Growth (YoY) | 12.50% | 6.48% | 4.63% | 2.13% | 8.70% | -380 bps | |
| Deposit Growth (YoY) | 11.68% | 8.24% | 9.33% | -0.49% | 6.26% | -542 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.01% | 0.00% | 0.05% | +5 bps | |
| Allowance / Loans | 1.16% | 1.28% | 1.25% | 1.42% | 1.50% | +35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.51% | 9.30% | 9.46% | 8.60% | -62 bps | |
| Total Risk-Based Capital | 9.22% | 9.51% | 9.30% | 12.83% | 10.83% | +161 bps | |
| Equity / Assets | 8.49% | 8.69% | 8.76% | 9.27% | 8.06% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.09% | 88.93% | 90.25% | 94.01% | 98.30% | +221 bps | |
| Liquid Assets / Assets | 5.04% | 11.47% | 10.76% | 7.86% | 3.61% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 399% | 495% | n/a | |