Vienna, MO · Cert 8576 · Maries County Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 0.3% share · #20 of 20 inst. · $0.0B of $7.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.58% | 0.82% | 1.04% | 1.23% | 1.14% | 1.12% | 0.99% | -5 bps | |
| Return on Equity | 4.31% | 5.07% | 7.19% | 8.84% | 10.04% | 8.91% | 8.60% | 7.50% | -134 bps | |
| Net Interest Margin | 3.04% | 3.26% | 3.23% | 3.59% | 3.69% | 3.69% | 3.76% | 3.92% | +33 bps | |
| Efficiency Ratio | 77.14% | 80.03% | 72.25% | 69.41% | 66.28% | 61.56% | 67.16% | 69.05% | -35 bps | |
| Non-Interest Burden | 2.18% | 2.47% | 2.16% | 2.28% | 2.19% | 2.01% | 2.32% | 2.48% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 3.27% | 1.52% | 2.28% | -0.21% | 0.52% | -0.47% | -0.98% | -326 bps | |
| Loan Growth (YoY) | 10.02% | 11.99% | 11.47% | 5.71% | 5.69% | 5.49% | 6.06% | 8.76% | +305 bps | |
| Deposit Growth (YoY) | 1.20% | 3.38% | 1.31% | 1.41% | 3.36% | -0.77% | -2.18% | -1.07% | -247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.11% | 0.17% | 0.34% | 0.30% | 0.25% | 0.16% | 0.12% | -22 bps | |
| Net Charge-Offs / Loans | 0.42% | 0.09% | 0.00% | 0.05% | 0.12% | 0.11% | 0.13% | 0.17% | +12 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.51% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 0 bps | |
| Allowance Coverage of NPLs | 9.0x | 14.1x | 9.1x | 4.4x | 5.0x | 6.1x | 9.1x | 12.2x | +7.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.98% | 13.93% | 14.02% | 14.29% | 14.70% | 14.55% | 14.85% | 14.83% | +55 bps | |
| Total Risk-Based Capital | 13.98% | 13.93% | 14.02% | 14.29% | 14.70% | 14.55% | 14.85% | 14.83% | +55 bps | |
| Equity / Assets | 11.78% | 11.17% | 11.62% | 11.83% | 12.65% | 12.92% | 13.08% | 13.23% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.29% | 65.25% | 65.63% | 67.02% | 68.81% | 69.37% | 71.15% | 73.68% | +666 bps | |
| Liquid Assets / Assets | 0.19% | 0.30% | 2.81% | 0.39% | 1.51% | 1.61% | 2.10% | 0.28% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.73% | 110.94% | 117.10% | n/a | n/a | |