First Missouri State Bank
Poplar Bluff, MO · Cert 8282 · Peer group: banks under $1B in assets in MO (n=85-86)
FDIC · 1 branch
Q4 2025
$278.5MAssets
$219.7MLoans
$245.3MDeposits
$23.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets in MO (rank 3 of 86).
- Widest gap: brokered deposits / deposits trails 88% of banks under $1B in assets in MO (rank 76 of 85).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 16 of 86
Net Interest Margin
3.85%
Rank 31 of 86
Efficiency Ratio
44.72%
Rank 11 of 86
Equity / Assets
8.50%
Rank 65 of 86
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 88% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.80% | 1.16% | 1.54% | Beats 81% | 16 / 86 | |
| Return on Equity | 20.04% | 7.85% | 11.20% | 14.75% | Beats 97% | 3 / 86 | |
| Net Interest Margin | 3.85% | 3.12% | 3.64% | 4.04% | Beats 64% | 31 / 86 | |
| Efficiency Ratio | 44.72% | 50.92% | 60.16% | 69.11% | Beats 88% | 11 / 86 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.11% | 0.44% | 1.05% | Beats 88% | 11 / 85 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.12% | 10.93% | 12.28% | 14.55% | Beats 41% | 51 / 86 | |
| Total Risk-Based Capital Ratio | 13.38% | 11.28% | 13.09% | 14.94% | Beats 53% | 40 / 86 | |
| Equity / Assets | 8.50% | 8.50% | 10.36% | 12.71% | Beats 24% | 65 / 86 | |
| Liquidity & Funding |
| Loans / Deposits | 89.58% | 69.04% | 80.27% | 89.58% | 74th pctl | 22 / 85 | |
| Loans / Assets | 78.89% | 59.90% | 68.81% | 76.95% | 81st pctl | 16 / 85 | |
| Brokered Deposits / Deposits | 4.50% | n/a | n/a | 1.73% | Beats 12% | 76 / 85 | |