Commercial Trust Company of Fayette
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
$163.8MAssets
$110.4MLoans
$145.2MDeposits
$16.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 61% of banks under $1B in assets (rank 243 of 629).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets (rank 546 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 45% of banks under $1B in assets | 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 |