Poplar Bluff, MO · Cert 8282
FDIC · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.08% | 1.09% | 1.16% | 1.74% | 1.66% | 1.98% | 1.76% | +60 bps | |
| Return on Equity | 10.88% | 12.56% | 12.70% | 13.46% | 19.95% | 18.82% | 22.58% | 20.18% | +672 bps | |
| Net Interest Margin | 2.82% | 3.01% | 3.03% | 3.14% | 3.32% | 3.43% | 4.05% | 3.85% | +72 bps | |
| Efficiency Ratio | 61.19% | 57.35% | 56.69% | 55.88% | 47.25% | 47.63% | 41.54% | 44.72% | -1,116 bps | |
| Non-Interest Burden | 1.64% | 1.63% | 1.62% | 1.65% | 1.08% | 1.33% | 1.41% | 1.50% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 8.21% | 5.93% | 1.50% | 4.07% | 2.49% | 4.38% | 6.49% | +498 bps | |
| Loan Growth (YoY) | 8.59% | 6.52% | 3.56% | 6.91% | 6.77% | 9.64% | 8.54% | 1.50% | -541 bps | |
| Deposit Growth (YoY) | 6.96% | 8.06% | 6.66% | 2.14% | 5.07% | 2.92% | 4.57% | 6.93% | +479 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.43% | 0.45% | 0.38% | 0.38% | 0.95% | 0.03% | 0.03% | -34 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.10% | -0.06% | -0.06% | -0.10% | 0.01% | -0.01% | -0.01% | +5 bps | |
| Allowance / Loans | 1.39% | 1.38% | 1.35% | 1.33% | 1.37% | 1.27% | 1.38% | 1.55% | +22 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.2x | 3.0x | 3.5x | 3.7x | 1.3x | 43.6x | 50.0x | +46.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.72% | 8.77% | 8.74% | 8.98% | 9.06% | 8.84% | 8.56% | -18 bps | |
| Total Risk-Based Capital | 14.72% | 13.94% | 13.97% | 13.17% | 13.87% | 13.42% | 13.23% | 13.38% | +21 bps | |
| Equity / Assets | 8.71% | 8.59% | 8.72% | 8.65% | 8.75% | 9.07% | 8.71% | 8.50% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.44% | 91.65% | 92.13% | 94.37% | 90.88% | 97.63% | 95.62% | 89.58% | -479 bps | |
| Liquid Assets / Assets | 15.72% | 13.03% | 12.74% | 10.18% | 13.81% | 8.34% | 9.66% | 14.92% | +473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 198.01% | 184.78% | n/a | |