Carrollton, MO · Cert 8560 · Knott Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
79
Profitability
92
Liquidity
0
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carrollton, MO · Cert 8560 · Knott Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #86 of 114 inst. · $0.1B of $99.1B
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 | 1.40% | 1.59% | 1.55% | 1.88% | 1.98% | 1.99% | 2.13% | 2.13% | +25 bps | |
| Return on Equity | 13.91% | 15.54% | 14.06% | 17.17% | 18.25% | 18.29% | 19.09% | 19.11% | +194 bps | |
| Net Interest Margin | 4.38% | 4.48% | 4.87% | 4.93% | 4.80% | 4.79% | 5.01% | 4.99% | +6 bps | |
| Efficiency Ratio | 57.83% | 55.86% | 58.32% | 53.13% | 50.35% | 50.92% | 48.45% | 47.71% | -542 bps | |
| Non-Interest Burden | 2.36% | 2.30% | 2.90% | 2.54% | 2.32% | 2.32% | 2.25% | 2.24% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.54% | 2.75% | 0.51% | 6.57% | 11.95% | 13.80% | 13.36% | 9.84% | +327 bps | |
| Loan Growth (YoY) | 8.27% | 1.03% | 8.06% | 12.76% | 14.03% | 16.02% | 14.90% | 11.26% | -150 bps | |
| Deposit Growth (YoY) | 5.07% | 6.06% | -0.98% | 4.52% | 7.28% | 9.19% | 11.23% | 7.46% | +294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.06% | 0.05% | 0.29% | 0.04% | 0.06% | 0.05% | 0 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | -0.09% | -0.04% | -4 bps | |
| Allowance / Loans | 1.41% | 1.44% | 1.41% | 1.33% | 1.31% | 1.31% | 1.32% | 1.28% | -4 bps | |
| Allowance Coverage of NPLs | 21.5x | 22.9x | 24.7x | 25.9x | 4.6x | 31.9x | 23.4x | 25.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 10.74% | 11.29% | 11.28% | 10.87% | 11.09% | 11.60% | 11.51% | +24 bps | |
| Total Risk-Based Capital | 12.92% | 13.53% | 13.83% | 13.37% | 13.10% | 13.48% | 14.06% | 13.83% | +46 bps | |
| Equity / Assets | 10.19% | 10.86% | 11.26% | 10.80% | 10.49% | 10.93% | 11.39% | 11.17% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.66% | 104.84% | 106.48% | 107.19% | 111.25% | 111.40% | 109.99% | 110.99% | +379 bps | |
| Liquid Assets / Assets | 3.66% | 4.55% | 3.97% | 4.07% | 4.38% | 4.15% | 4.07% | 4.21% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 450% | 431% | 410% | n/a | n/a | |
Carrollton, MO · Cert 8560 · Peer group: banks under $1B in assets in MO (n=82-83) · Knott Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
2.09%
Rank 6 of 83
Net Interest Margin
4.99%
Rank 5 of 83
Efficiency Ratio
47.71%
Rank 19 of 83
Equity / Assets
11.17%
Rank 31 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.09% | 0.96% | 1.32% | 1.75% | Beats 93% | 6 / 83 | ||
| Return on Equity | 18.71% | 9.66% | 12.96% | 15.76% | Beats 90% | 8 / 83 | ||
| Net Interest Margin | 4.99% | 3.35% | 3.85% | 4.16% | Beats 94% | 5 / 83 | ||
| Efficiency Ratio | 47.71% | 49.83% | 58.83% | 68.51% | Beats 78% | 19 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.08% | 0.51% | 1.01% | Beats 79% | 18 / 82 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 79% | 18 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.58% | 11.01% | 12.49% | 14.98% | Beats 53% | 39 / 83 | ||
| Total Risk-Based Capital Ratio | 13.83% | 11.13% | 13.01% | 15.10% | Beats 58% | 35 / 83 | ||
| Equity / Assets | 11.17% | 8.83% | 10.71% | 13.29% | Beats 63% | 31 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.99% | 69.28% | 83.22% | 91.21% | 98th pctl | 2 / 82 | ||
| Loans / Assets | 90.45% | 59.34% | 71.15% | 78.36% | 99th pctl | 1 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||