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America's Community Bank

Blue Springs, MO · Cert 8893 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Urich Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.1MAssets
$56.4MLoans
$49.5MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 15 of 39).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Kansas City, MO-KS area (rank 40 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.24%

Rank 23 of 40

Net Interest Margin

3.93%

Rank 22 of 40

Efficiency Ratio

58.02%

Rank 20 of 40

Equity / Assets

8.71%

Rank 28 of 40

Non-interest income vs. expense

$0.1M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 52% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 58.02%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%1.02%1.39%1.86%Beats 43%23 / 40
Return on Equity14.28%10.74%14.78%21.32%Beats 48%21 / 40
Net Interest Margin3.93%3.33%4.05%4.63%Beats 45%22 / 40
Efficiency Ratio58.02%51.70%58.10%69.29%Beats 52%20 / 40
Asset Quality
Nonperforming Loans / Loans1.32%0.05%0.20%1.11%Beats 18%33 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%15 / 39
Capital
Tier 1 Capital Ratio8.69%11.32%12.27%16.94%Beats 0%40 / 40
Total Risk-Based Capital Ratio8.69%11.32%13.09%17.63%Beats 0%40 / 40
Equity / Assets8.71%8.41%10.10%12.34%Beats 30%28 / 40
Liquidity & Funding
Loans / Deposits113.93%73.50%85.60%94.85%93rd pctl3 / 40
Loans / Assets87.95%62.75%69.87%79.23%95th pctl2 / 40
Brokered Deposits / Depositsn/aNot reported for this institution