Alton Bank
Alton, MO · Cert 8276 · Peer group: banks under $1B in assets in MO (n=82-83)
State charter, non-member · FDIC · 2 branches
Q2 2026
$145.0MAssets
$81.9MLoans
$127.9MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 49% of banks under $1B in assets in MO (rank 43 of 82).
- Widest gap: equity / assets trails 94% of banks under $1B in assets in MO (rank 78 of 83).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.75%
Rank 73 of 83
Net Interest Margin
3.00%
Rank 75 of 83
Efficiency Ratio
71.08%
Rank 69 of 83
Equity / Assets
7.41%
Rank 78 of 83
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 18% 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 | 0.75% | 0.96% | 1.32% | 1.75% | Beats 12% | 73 / 83 | | |
| Return on Equity | 10.09% | 9.66% | 12.96% | 15.76% | Beats 28% | 60 / 83 | | |
| Net Interest Margin | 3.00% | 3.35% | 3.85% | 4.16% | Beats 10% | 75 / 83 | | |
| Efficiency Ratio | 71.08% | 49.83% | 58.83% | 68.51% | Beats 18% | 69 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.08% | 0.51% | 1.01% | Beats 49% | 43 / 82 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.06% | Beats 23% | 64 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 9.77% | 11.01% | 12.49% | 14.98% | Beats 8% | 76 / 83 | | |
| Total Risk-Based Capital Ratio | 10.26% | 11.13% | 13.01% | 15.10% | Beats 10% | 75 / 83 | | |
| Equity / Assets | 7.41% | 8.83% | 10.71% | 13.29% | Beats 6% | 78 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.02% | 69.28% | 83.22% | 91.21% | 16th pctl | 69 / 82 | | |
| Loans / Assets | 56.45% | 59.34% | 71.15% | 78.36% | 18th pctl | 68 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |