Carthage, MO · Cert 59352 · Four States Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Joplin, MO-KS · 2026 SOD (annual) · 1.4% share · #17 of 22 inst. · $0.1B of $4.9B
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 | -5.85% | -3.27% | -1.25% | -1.73% | -1.34% | -1.32% | 0.01% | 0.03% | +176 bps | |
| Return on Equity | -6.43% | -7.68% | -3.22% | -4.90% | -4.08% | -4.38% | 0.04% | 0.15% | +505 bps | |
| Net Interest Margin | 0.63% | 1.66% | 4.30% | 3.76% | 3.50% | 3.62% | 3.88% | 3.35% | -42 bps | |
| Efficiency Ratio | 1012% | 333% | 104.56% | 114.13% | 108.17% | 111.42% | 86.53% | 84.40% | -2,973 bps | |
| Non-Interest Burden | 6.41% | 5.55% | 4.59% | 4.45% | 3.85% | 4.11% | 3.16% | 2.65% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 222% | 82.78% | 88.37% | 95.89% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 596% | 210% | 147.05% | 116.67% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 2501% | 144.21% | 137.06% | 127.83% | n/a | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.23% | 1.19% | 1.25% | 1.20% | 1.13% | 1.12% | 1.12% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 96.81% | 61.93% | 40.66% | 33.02% | 27.43% | 26.15% | 20.53% | 15.85% | -1,718 bps | |
| Total Risk-Based Capital | 96.81% | 61.93% | 40.66% | 33.02% | 27.43% | 26.15% | 20.53% | 15.85% | -1,718 bps | |
| Equity / Assets | 91.03% | 42.61% | 35.65% | 29.90% | 26.71% | 22.31% | 18.26% | 14.97% | -1,492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 364% | 77.83% | 89.30% | 95.13% | 97.34% | 98.72% | 93.07% | 90.47% | -466 bps | |
| Liquid Assets / Assets | 60.05% | 50.71% | 32.64% | 14.47% | 25.54% | 19.70% | 20.43% | 10.39% | -408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.08% | 201% | 255% | n/a | n/a | |