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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.87% | 0.90% | 0.93% | 0.94% | 1.08% | 1.01% | 0.90% | -3 bps | |
| Return on Equity | 9.59% | 10.04% | 10.45% | 10.84% | 10.92% | 12.43% | 11.44% | 10.42% | -42 bps | |
| Net Interest Margin | 3.00% | 3.11% | 3.14% | 3.12% | 3.33% | 3.36% | 3.45% | 3.46% | +34 bps | |
| Efficiency Ratio | 69.11% | 68.37% | 67.44% | 65.95% | 62.80% | 61.63% | 60.61% | 59.88% | -607 bps | |
| Non-Interest Burden | 1.96% | 2.02% | 2.00% | 1.94% | 1.93% | 1.92% | 1.94% | 1.93% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.69% | 2.68% | 10.56% | 10.72% | 7.89% | 8.69% | 0.15% | 5.30% | -542 bps | |
| Loan Growth (YoY) | 0.70% | 6.85% | 8.93% | 12.50% | 6.48% | 4.63% | 2.13% | 8.70% | -380 bps | |
| Deposit Growth (YoY) | 2.37% | 2.03% | 11.32% | 11.68% | 8.24% | 9.33% | -0.49% | 6.26% | -542 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.10% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.00% | 0.04% | 0.01% | 0.01% | 0.02% | +2 bps | |
| Allowance / Loans | 1.29% | 1.24% | 1.21% | 1.16% | 1.28% | 1.25% | 1.42% | 1.50% | +35 bps | |
| Allowance Coverage of NPLs | 16.7x | 12.4x | 17.5x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.40% | 9.45% | 9.22% | 9.51% | 9.30% | 9.46% | 8.60% | -62 bps | |
| Total Risk-Based Capital | 9.28% | 9.40% | 9.45% | 9.22% | 9.51% | 9.30% | 12.83% | 10.83% | +161 bps | |
| Equity / Assets | 8.51% | 8.72% | 8.66% | 8.49% | 8.69% | 8.76% | 9.27% | 8.06% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.40% | 94.31% | 91.60% | 96.09% | 88.93% | 90.25% | 94.01% | 98.30% | +221 bps | |
| Liquid Assets / Assets | 10.89% | 7.48% | 9.54% | 5.04% | 11.47% | 10.76% | 7.86% | 3.61% | -143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 399% | 495% | n/a | |