PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Maries County Bank, The

Vienna, MO · Cert 8576 · Maries County Bcorp Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$600.5MAssets
$382.1MLoans
$518.5MDeposits
$79.4MEquity
Loan mix
81%RE $283.6M6%C&I $22.1M12%Consumer $43.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $423.7M18%Noninterest $94.8MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.18%Q2 ’255.29%Q2 ’26+17%+9%

Non-interest income vs. expense

2.76%Q2 ’242.96%Q2 ’253.19%Q2 ’26+9%+9%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 0.3% share · #20 of 20 inst. · $0.0B of $7.7B

80.3% Maries
27.9% Pulaski
8.6% Gasconade
2.0% Phelps

Executive Summary

  • Earnings: ROA of 0.99%, down 5 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.12% of loans (-22 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 14.83%, up 55 bps from a year ago.
  • Funding: loans stand at 73.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.92%+33 bps YoY

Efficiency Ratio (quarter, annualized)

69.05%-35 bps YoY

Tier 1 Leverage Ratio

14.83%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.23%1.14%1.12%0.99%-5 bps
Return on Equity8.84%10.04%8.91%8.60%7.50%-134 bps
Net Interest Margin3.59%3.69%3.69%3.76%3.92%+33 bps
Efficiency Ratio69.41%66.28%61.56%67.16%69.05%-35 bps
Non-Interest Burden2.28%2.19%2.01%2.32%2.48%+20 bps
Growth
Asset Growth (YoY)2.28%-0.21%0.52%-0.47%-0.98%-326 bps
Loan Growth (YoY)5.71%5.69%5.49%6.06%8.76%+305 bps
Deposit Growth (YoY)1.41%3.36%-0.77%-2.18%-1.07%-247 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.30%0.25%0.16%0.12%-22 bps
Net Charge-Offs / Loans0.05%0.12%0.11%0.13%0.17%+12 bps
Allowance / Loans1.50%1.50%1.50%1.50%1.50%0 bps
Allowance Coverage of NPLs4.4x5.0x6.1x9.1x12.2x+7.8x
Capital
Tier 1 Leverage Ratio14.29%14.70%14.55%14.85%14.83%+55 bps
Total Risk-Based Capital14.29%14.70%14.55%14.85%14.83%+55 bps
Equity / Assets11.83%12.65%12.92%13.08%13.23%+140 bps
Liquidity & Funding
Loans / Deposits67.02%68.81%69.37%71.15%73.68%+666 bps
Liquid Assets / Assets0.39%1.51%1.61%2.10%0.28%-11 bps
CRE / Total Capitaln/a107.73%110.94%117.10%n/an/a