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The Callaway Bank

$100M-$1B Specialty: Commercial MO FDIC cert 12223

Fulton, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

The Callaway Bank has 2 strengths but faces 1 concern

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 0.37% above tier average
  • + Efficiency Ratio 3.23% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 43.4% in tier
Get updates when The Callaway Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $539.8M
+9.3% YoY +8.5% QoQ
+$153.7M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
76%
Total Loans ? $375.5M
-0.1% YoY -0.1% QoQ
+$119.8M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
77%
Total Deposits ? $456.8M
+11.7% YoY +10.6% QoQ
+$128.8M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
76%
Return on Assets ? 1.25%
+28.6% YoY +23.5% QoQ
-0.02% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
53%
Net Interest Margin ? 4.30%
+11.5% YoY +2.9% QoQ
+0.37% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
73%
Efficiency Ratio ? 62.06%
-9.2% YoY -9.8% QoQ
-3.23% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
53%
Delinquency Rate ? 0.85%
+28.8% YoY +10.3% QoQ
-0.04% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
32%
Loan-to-Deposit Ratio ? 82.21%
-10.6% YoY -9.7% QoQ
+5.58% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
41%
Non-Interest-Bearing Deposit Share ? 27.03%
-0.9% YoY -14.3% QoQ
+5.01% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
74%
Nonperforming Asset Ratio ? 0.59%
+17.6% YoY +1.6% QoQ
-0.05% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 9.81%
+5.0% YoY +0.2% QoQ
-6.02% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
Bottom 7.4% in tier
Non-Interest Income / Assets ? 0.16%
+1.8% YoY -74.3% QoQ
-0.12% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
75%

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
#569 of 1308 • Bottom 43.4% in tier

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

Why this signature
Delinquency Rate: 0.85%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

615
Total Loans
size
Value: $375.54M
Peer Median: $255.72M
#615 of 2664 Top 23.0% in $100M-$1B
647
Total Deposits
size
Value: $456.78M
Peer Median: $327.97M
#647 of 2664 Top 24.2% in $100M-$1B
649
Total Assets
size
Value: $539.78M
Peer Median: $386.08M
#649 of 2664 Top 24.3% in $100M-$1B
661
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#661 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2467
Tier 1 Capital Ratio
capital
Value: 9.81%
Peer Median: 15.83%
#2467 of 2664 Bottom 7.4% in $100M-$1B
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