Fayette, MO · Cert 9791 · Harris Taubman Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
48
Profitability
57
Liquidity
85
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fayette, MO · Cert 9791 · Harris Taubman Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Columbia, MO · 2026 SOD (annual) · 2.2% share · #12 of 29 inst. · $0.1B of $6.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.14% | 0.77% | 0.95% | 1.06% | 1.07% | 1.32% | 1.15% | +20 bps | |
| Return on Equity | 11.34% | 11.34% | 7.61% | 9.33% | 10.31% | 10.39% | 12.84% | 11.32% | +199 bps | |
| Net Interest Margin | 3.24% | 3.29% | 3.34% | 3.47% | 3.53% | 3.59% | 3.56% | 3.58% | +11 bps | |
| Efficiency Ratio | 65.27% | 66.60% | 77.66% | 73.70% | 70.83% | 71.60% | 68.87% | 69.73% | -397 bps | |
| Non-Interest Burden | 1.83% | 1.92% | 2.40% | 2.31% | 2.20% | 2.29% | 2.02% | 2.13% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.21% | -1.93% | -2.89% | 0.80% | 4.68% | 0.98% | 2.92% | 5.28% | +448 bps | |
| Loan Growth (YoY) | -3.07% | -4.10% | -1.49% | 2.53% | 4.02% | 1.71% | 3.48% | 2.64% | +11 bps | |
| Deposit Growth (YoY) | -6.40% | -0.71% | -0.90% | 2.36% | 7.16% | 1.80% | 2.93% | 5.69% | +333 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.47% | 0.47% | 0.47% | 0.46% | 0.45% | 0.45% | 0.36% | -11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | -0.05% | -0.02% | -0.01% | -0.01% | 0.03% | 0.03% | +4 bps | |
| Allowance / Loans | 1.14% | 1.06% | 1.08% | 1.02% | 1.01% | 0.95% | 0.89% | 0.90% | -11 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.3x | 2.3x | 2.2x | 2.2x | 2.1x | 2.0x | 2.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.10% | 10.56% | 10.49% | 10.69% | 10.90% | 10.67% | 10.31% | 10.41% | -28 bps | |
| Total Risk-Based Capital | 11.10% | 10.56% | 10.49% | 10.69% | 10.90% | 10.67% | 10.31% | 10.41% | -28 bps | |
| Equity / Assets | 10.71% | 10.33% | 9.92% | 10.34% | 10.37% | 10.65% | 9.94% | 10.06% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.25% | 80.71% | 74.21% | 78.32% | 76.93% | 80.64% | 74.60% | 76.05% | -226 bps | |
| Liquid Assets / Assets | 16.87% | 15.25% | 20.88% | 16.90% | 17.87% | 21.11% | 20.72% | 20.67% | +377 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 85.60% | 95.17% | 92.66% | n/a | n/a | |
Fayette, MO · Cert 9791 · Peer group: banks under $1B in assets (n=581-629) · Harris Taubman Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.12%
Rank 270 of 629
Net Interest Margin
3.58%
Rank 294 of 629
Efficiency Ratio
69.73%
Rank 347 of 629
Equity / Assets
10.06%
Rank 377 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.60% | 1.01% | 1.45% | Beats 57% | 270 / 629 | ||
| Return on Equity | 11.13% | 5.38% | 9.30% | 13.28% | Beats 61% | 243 / 629 | ||
| Net Interest Margin | 3.58% | 3.03% | 3.54% | 4.05% | Beats 53% | 294 / 629 | ||
| Efficiency Ratio | 69.73% | 58.35% | 67.79% | 79.08% | Beats 45% | 347 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 264 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 350 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.41% | 11.24% | 13.84% | 18.77% | Beats 15% | 535 / 629 | ||
| Total Risk-Based Capital Ratio | 10.41% | 11.58% | 14.43% | 19.66% | Beats 13% | 546 / 629 | ||
| Equity / Assets | 10.06% | 9.09% | 10.65% | 13.80% | Beats 40% | 377 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.05% | 67.24% | 80.90% | 93.48% | 42nd pctl | 345 / 594 | ||
| Loans / Assets | 67.41% | 53.31% | 67.71% | 78.15% | 49th pctl | 321 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||