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Preferred Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 10628

Rothville, MO

5 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -1.7% year over year ($126.2M on the books).
  • Delinquency rate 0.18%.
  • Return on assets 1.24%.
  • Efficiency ratio 66.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 49.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Preferred Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.0% in tier
  • - Credit Risk Growth: Bottom 31.7% in tier
  • - ROA 0.08% below tier average
  • - Net Interest Margin 0.38% below tier average
  • - Efficiency Ratio 2.50% above tier average
Get updates when Preferred Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $134.5M
+1.0% YoY -2.6% QoQ
-$252.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 9.3% in tier
Total Loans ? $62.0M
+7.8% YoY +2.0% QoQ
-$196.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 5.1% in tier
Total Deposits ? $126.2M
-1.7% YoY -2.1% QoQ
-$200.5M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 14.1% in tier
Return on Assets ? 1.24%
+21.5% YoY +0.4% QoQ
-0.08% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 3.60%
+6.2% YoY +1.3% QoQ
-0.38% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 66.98%
-2.3% YoY +0.9% QoQ
+2.50% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.18%
+79.2% YoY -83.3% QoQ
-0.74% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
67%
Loan-to-Deposit Ratio ? 49.08%
+9.6% YoY +4.2% QoQ
-28.87% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Top 7.9% in tier
Non-Interest-Bearing Deposit Share ? 32.20%
+4.9% YoY -2.1% QoQ
+10.17% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Top 14.0% in tier
Nonperforming Asset Ratio ? 0.08%
+91.2% YoY -82.5% QoQ
-0.59% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 17.71%
-5.3% YoY -2.1% QoQ
+1.80% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.18%
-3.9% YoY +114.5% QoQ
-0.39% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
43%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 32.2%
+1.5pp YoY
-0.7pp QoQ
 +10.0pp 22.1% 20.9% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 6.1%
-0.5pp YoY
+0.3pp QoQ
 -5.5pp 11.6% 12.3% 12.5% 26%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 49.7%
+3.4pp YoY
+1.8pp QoQ
 +17.1pp 32.6% 31.9% 31.3% 82%
Consumer 5.0%
-0.4pp YoY
0.0pp QoQ
 +0.9pp 4.1% 4.1% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 17.7%
-1.0pp YoY
-0.4pp QoQ
 -1.1pp 18.8% 18.5% 19.7% 68%
Leverage Ratio 7.6%
0.0pp YoY
-0.1pp QoQ
 -4.6pp 12.2% 11.6% 12.6% 1%
Total Capital Ratio 18.6%
-1.0pp YoY
-0.4pp QoQ
 -1.3pp 19.9% 19.6% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 24
-2 (-7.7%) YoY
-2 (-7.7%) QoQ
 -35 58 162 482 17%
Assets per Employee ($) $5.6M
+9.4% YoY
+5.5% QoQ
 -$1.9M $7.5M $8.0M $8.8M 25%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
-0.9pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 63%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 4.57x
-44.4% YoY
+490.7% QoQ
 -19.58x 24.15x 10.47x 20.23x 68%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.3% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 27.2%
-2.7pp YoY
+0.5pp QoQ
 +15.0pp 12.2% 14.3% 11.6% 98%
Cost of Funds (YTD) 0.9%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.8% 1.7% 8%
Net Income ($, YTD) $837,000
+21.5% YoY
— QoQ
 -$1.7M $2.6M $11.3M $40.4M 21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#215 of 1256 • Bottom 17.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#298 of 936 • Bottom 31.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

209
Loan-to-Deposit Ratio
liquidity
Value: 49.08%
Peer Median: 77.95%
#209 of 2643 Top 7.9% in $100M-$1B
370
Non-Interest-Bearing Deposit Share
funding
Value: 32.20%
Peer Median: 22.03%
#370 of 2643 Top 14.0% in $100M-$1B
529
Tier 1 Capital Ratio
capital
Value: 17.71%
Peer Median: 15.91%
#529 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (3 metrics)

2510
Total Loans
size
Value: $61.95M
Peer Median: $258.35M
#2510 of 2643 Bottom 5.1% in $100M-$1B
2397
Total Assets
size
Value: $134.47M
Peer Median: $386.57M
#2397 of 2643 Bottom 9.3% in $100M-$1B
2272
Total Deposits
size
Value: $126.22M
Peer Median: $326.73M
#2272 of 2643 Bottom 14.1% in $100M-$1B
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