M1 Bank
Clayton, MO · Cert 9797 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 2 branches
Q4 2025
$1.2BAssets
$932.1MLoans
$1.1BDeposits
$116.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets (rank 10 of 284).
- Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets (rank 284 of 290).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.58%
Rank 48 of 290
Net Interest Margin
3.35%
Rank 127 of 290
Efficiency Ratio
42.31%
Rank 17 of 290
Equity / Assets
9.74%
Rank 167 of 290
Non-interest income vs. expense
Unfavorable gap of $17.0M · efficiency ratio beats 94% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.82% | 1.09% | 1.41% | Beats 83% | 48 / 290 | |
| Return on Equity | 16.19% | 8.04% | 10.59% | 13.08% | Beats 88% | 35 / 290 | |
| Net Interest Margin | 3.35% | 2.87% | 3.28% | 3.78% | Beats 56% | 127 / 290 | |
| Efficiency Ratio | 42.31% | 53.76% | 60.51% | 67.14% | Beats 94% | 17 / 290 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.49% | 0.91% | Beats 100% | 10 / 284 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.93% | 11.52% | 13.11% | 15.22% | Beats 3% | 281 / 290 | |
| Total Risk-Based Capital Ratio | 9.93% | 12.41% | 14.01% | 16.12% | Beats 2% | 284 / 290 | |
| Equity / Assets | 9.74% | 8.94% | 10.29% | 11.70% | Beats 42% | 167 / 290 | |
| Liquidity & Funding |
| Loans / Deposits | 87.07% | 75.78% | 87.64% | 95.53% | 48th pctl | 149 / 284 | |
| Loans / Assets | 77.89% | 64.43% | 74.03% | 79.86% | 66th pctl | 97 / 284 | |
| Brokered Deposits / Deposits | 34.65% | n/a | 2.01% | 8.63% | Beats 4% | 275 / 285 | |