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Grand Missouri Bank

$100M-$1B Specialty: Commercial MO FDIC cert 11003

Designations: ✓ CDFI-certified

Bolivar, MO

4 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 +25.3% year over year ($127.0M on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.01%.
  • Efficiency ratio 62.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 95.99% 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) →

Grand Missouri Bank has 3 strengths but faces 2 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

  • + Net Interest Margin 0.81% above tier average
  • + Efficiency Ratio 1.86% below tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 15.0% in tier
  • - ROA 0.31% below tier average
Get updates when Grand Missouri 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 ? $151.1M
+19.9% YoY +8.3% QoQ
-$235.5M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 14.3% in tier
Total Loans ? $121.9M
+21.8% YoY +6.5% QoQ
-$136.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $127.0M
+25.3% YoY +9.6% QoQ
-$199.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 14.4% in tier
Return on Assets ? 1.01%
+183.5% YoY +1.3% QoQ
-0.31% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 4.80%
+207.5% YoY +0.3% QoQ
+0.81% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 11.9% in tier
Efficiency Ratio ? 62.62%
+0.9% YoY +0.2% QoQ
-1.86% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.22%
+28.2% YoY -6.8% QoQ
-0.70% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 95.99%
-2.8% YoY -2.9% QoQ
+18.04% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 18.16%
-10.3% YoY +4.6% QoQ
-3.87% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.18%
+30.2% YoY -8.3% QoQ
-0.49% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 13.72%
+1.6% YoY -2.8% QoQ
-2.19% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.15%
+166.9% YoY +93.3% QoQ
-0.42% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
34%

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 18.2%
-2.1pp YoY
+0.8pp QoQ
 -4.0pp 22.1% 20.9% 22.2% 37%
Brokered Deposits 4.5%
-0.8pp YoY
-0.3pp QoQ
 -3.3pp 7.9% 7.4% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 9.1%
-1.2pp YoY
+0.2pp QoQ
 -2.4pp 11.6% 12.3% 12.5% 47%
CRE 29.5%
-0.1pp YoY
-1.6pp QoQ
 -10.0pp 39.5% 36.8% 41.4% 34%
1-4 Family 46.5%
-1.6pp YoY
+1.1pp QoQ
 +13.9pp 32.6% 31.9% 31.3% 79%
Consumer 1.8%
-0.5pp YoY
-0.5pp QoQ
 -2.3pp 4.1% 4.1% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 13.7%
+0.2pp YoY
-0.4pp QoQ
 +1.5pp 12.2% 11.6% 12.6% 80%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 31
+4 (+14.8%) YoY
0 QoQ
 -28 58 162 482 28%
Assets per Employee ($) $4.9M
+4.4% YoY
+8.3% QoQ
 -$2.6M $7.5M $8.0M $8.8M 13%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 5.31x
-24.4% YoY
+3.5% QoQ
 -18.84x 24.15x 10.47x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 6.9%
+14.5pp YoY
+0.2pp QoQ
 -5.3pp 12.2% 14.3% 11.6% 20%
Cost of Funds (YTD) 2.5%
+1.5pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.8% 1.7% 88%
Net Income ($, YTD) $720,000
+194.1% YoY
— QoQ
 -$1.8M $2.6M $11.3M $40.4M 17%

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 (1)

Credit Quality Pressure

risk
#189 of 1256 • Bottom 15.0% in tier

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

Why this signature
Delinquency Rate: 0.22%
(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

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 (1 metrics)

316
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.99%
#316 of 2643 Top 11.9% in $100M-$1B

Top Weaknesses (3 metrics)

2267
Total Assets
size
Value: $151.06M
Peer Median: $386.57M
#2267 of 2643 Bottom 14.3% in $100M-$1B
2263
Total Deposits
size
Value: $126.95M
Peer Median: $326.73M
#2263 of 2643 Bottom 14.4% in $100M-$1B
2247
Loan-to-Deposit Ratio
liquidity
Value: 95.99%
Peer Median: 77.95%
#2247 of 2643 Bottom 15.0% in $100M-$1B
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