Four States Bank
Carthage, MO · Cert 59352 · Peer group: banks under $1B in assets in MO (n=82-83) · Four States Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$142.1MAssets
$103.4MLoans
$114.3MDeposits
$21.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MO (rank 10 of 82).
- Widest gap: return on assets trails 99% of banks under $1B in assets in MO (rank 82 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.02%
Rank 82 of 83
Net Interest Margin
3.35%
Rank 62 of 83
Efficiency Ratio
84.40%
Rank 80 of 83
Equity / Assets
14.97%
Rank 7 of 83
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 5% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.96% | 1.32% | 1.75% | Beats 1% | 82 / 83 | | |
| Return on Equity | 0.15% | 9.66% | 12.96% | 15.76% | Beats 2% | 81 / 83 | | |
| Net Interest Margin | 3.35% | 3.35% | 3.85% | 4.16% | Beats 25% | 62 / 83 | | |
| Efficiency Ratio | 84.40% | 49.83% | 58.83% | 68.51% | Beats 5% | 80 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.51% | 1.01% | Beats 100% | 10 / 82 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 15.85% | 11.01% | 12.49% | 14.98% | Beats 81% | 16 / 83 | | |
| Total Risk-Based Capital Ratio | 15.85% | 11.13% | 13.01% | 15.10% | Beats 77% | 19 / 83 | | |
| Equity / Assets | 14.97% | 8.83% | 10.71% | 13.29% | Beats 92% | 7 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.47% | 69.28% | 83.22% | 91.21% | 73rd pctl | 22 / 82 | | |
| Loans / Assets | 72.75% | 59.34% | 71.15% | 78.36% | 53rd pctl | 39 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |