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 (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 | 1.39% | 1.15% | 0.77% | 1.12% | 1.26% | 1.09% | 1.32% | 0.99% | -13 bps | |
| Return on Equity | 13.37% | 10.95% | 7.61% | 11.04% | 12.20% | 10.36% | 12.84% | 9.86% | -118 bps | |
| Net Interest Margin | 3.35% | 3.52% | 3.34% | 3.59% | 3.56% | 3.71% | 3.56% | 3.65% | +6 bps | |
| Efficiency Ratio | 58.50% | 70.31% | 77.66% | 70.01% | 65.37% | 73.90% | 68.87% | 70.63% | +62 bps | |
| Non-Interest Burden | 1.58% | 2.23% | 2.40% | 2.22% | 1.93% | 2.51% | 2.02% | 2.26% | +4 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 | -0.01% | 0.06% | -0.05% | 0.01% | 0.00% | 0.00% | 0.03% | 0.03% | +1 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 | |