Kimberling City, MO · Cert 58300 · Alton Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Springfield, MO · 2026 SOD (annual) · 1.0% share · #21 of 41 inst. · $0.2B of $17.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.49% | 1.00% | 0.83% | 0.85% | 0.82% | 1.07% | 1.06% | +23 bps | |
| Return on Equity | 8.10% | 5.85% | 14.96% | 12.00% | 11.87% | 11.38% | 14.57% | 14.27% | +226 bps | |
| Net Interest Margin | 3.50% | 2.89% | 3.18% | 3.06% | 2.98% | 2.93% | 3.47% | 3.47% | +41 bps | |
| Efficiency Ratio | 66.59% | 81.19% | 49.95% | 55.08% | 57.27% | 58.19% | 56.75% | 56.99% | +191 bps | |
| Non-Interest Burden | 2.45% | 2.40% | 1.64% | 1.74% | 1.67% | 1.67% | 1.90% | 1.92% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.00% | 146.82% | 158.02% | 177.13% | 183.28% | 32.77% | 25.52% | 21.54% | -15,559 bps | |
| Loan Growth (YoY) | 18.42% | 168.57% | 166.41% | 181.90% | 201% | 40.85% | 40.71% | 34.51% | -14,739 bps | |
| Deposit Growth (YoY) | 10.86% | 137.58% | 153.78% | 185.41% | 175.29% | 35.85% | 28.25% | 22.42% | -16,299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.07% | 0.09% | 0.19% | 0.04% | 0.13% | 0.62% | 0.24% | +5 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 1.04% | 1.01% | 1.02% | 1.03% | 1.04% | 1.05% | 1.06% | 1.01% | -1 bps | |
| Allowance Coverage of NPLs | 15.4x | 13.6x | 11.3x | 5.4x | 25.7x | 8.2x | 1.7x | 4.3x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.38% | 7.36% | 8.07% | 8.26% | 8.37% | 7.99% | 7.69% | 8.25% | -1 bps | |
| Total Risk-Based Capital | 12.87% | 10.68% | 11.54% | 12.10% | 12.36% | 11.40% | 11.86% | 11.99% | -11 bps | |
| Equity / Assets | 9.82% | 6.31% | 7.06% | 7.35% | 7.88% | 7.25% | 7.39% | 7.72% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.39% | 80.40% | 80.01% | 79.96% | 83.59% | 83.35% | 87.78% | 87.86% | +790 bps | |
| Liquid Assets / Assets | 6.15% | 7.18% | 10.04% | 2.75% | 9.81% | 9.64% | 7.40% | 7.54% | +479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 421% | 410% | n/a | n/a | |