Bank 21
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
$202.1MAssets
$182.8MLoans
$164.7MDeposits
$22.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in MO (rank 5 of 83).
- Widest gap: tier 1 capital ratio trails 47% of banks under $1B in assets in MO (rank 39 of 83).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 78% 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 | 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 |