Goppert Financial Bank
Lathrop, MO · Cert 8569 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Goppert Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (14 in holding)
Q2 2026
$312.0MAssets
$202.9MLoans
$269.3MDeposits
$31.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 8 of 39).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in the Kansas City, MO-KS area (rank 35 of 40).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.28%
Rank 22 of 40
Net Interest Margin
3.86%
Rank 23 of 40
Efficiency Ratio
58.19%
Rank 22 of 40
Equity / Assets
10.06%
Rank 21 of 40
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 47% of banks under $1B in assets in the Kansas City, MO-KS area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 1.02% | 1.39% | 1.86% | Beats 45% | 22 / 40 | | |
| Return on Equity | 12.72% | 10.74% | 14.78% | 21.32% | Beats 28% | 29 / 40 | | |
| Net Interest Margin | 3.86% | 3.33% | 4.05% | 4.63% | Beats 43% | 23 / 40 | | |
| Efficiency Ratio | 58.19% | 51.70% | 58.10% | 69.29% | Beats 47% | 22 / 40 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.20% | 1.11% | Beats 100% | 8 / 39 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 15 / 39 | | |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 11.32% | 12.27% | 16.94% | Beats 15% | 34 / 40 | | |
| Total Risk-Based Capital Ratio | 10.07% | 11.32% | 13.09% | 17.63% | Beats 13% | 35 / 40 | | |
| Equity / Assets | 10.06% | 8.41% | 10.10% | 12.34% | Beats 48% | 21 / 40 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.34% | 73.50% | 85.60% | 94.85% | 33rd pctl | 27 / 40 | | |
| Loans / Assets | 65.01% | 62.75% | 69.87% | 79.23% | 30th pctl | 28 / 40 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |