PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest Missouri Regional

Maryville, MO · Charter 62611

NCUA · 1 branch

Q2 2026

$11.2MAssets
$7.4MLoans
$9.8MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.48%, down 19 bps year over year; NIM at 5.60%.
  • Asset quality: problem loans at 0.18% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.68%, up 3 bps from a year ago.
  • Funding: loans stand at 75.75% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.48%-19 bps YoY

Net Interest Margin (quarter, annualized)

5.60%-5 bps YoY

Efficiency Ratio (quarter, annualized)

92.30%+333 bps YoY

Net Worth / Assets

11.68%+3 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.02%1.09%0.66%0.82%0.57%0.75%0.48%-19 bps
Return on Equity11.06%8.52%9.42%5.69%7.01%4.97%6.66%4.07%-161 bps
Net Interest Margin6.08%6.16%5.61%5.65%5.61%5.63%5.41%5.60%-5 bps
Efficiency Ratio77.84%82.36%83.26%88.97%86.54%90.10%88.23%92.30%+333 bps
Growth
Asset Growth (YoY)-5.44%-5.38%-4.27%-2.69%5.94%7.76%6.48%2.81%+550 bps
Loan Growth (YoY)-12.83%-12.48%-8.40%-0.23%4.15%3.15%1.75%-2.88%-265 bps
Share Growth (YoY)-6.88%-7.43%-5.46%-3.17%4.59%8.46%6.23%2.60%+577 bps
Asset Quality
Delinquent Loans / Loans1.37%0.91%0.19%0.33%0.12%0.18%0.39%0.18%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.85%11.92%11.57%11.65%11.67%11.50%11.21%11.68%+3 bps
Net Worth / Assets11.85%11.92%11.57%11.65%11.67%11.50%11.21%11.68%+3 bps
Liquidity & Funding
Loans / Shares79.12%79.20%74.73%80.03%78.78%75.33%71.58%75.75%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps