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Connections Bank

$100M-$1B Specialty: Commercial MO FDIC cert 14025

Platte City, MO

10 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 +3.8% year over year ($456.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.95%.
  • Efficiency ratio 42.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.06% 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) →

Connections Bank has 5 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

  • + Credit Quality Leader: Top 29.6% in tier
  • + Profitability Leader: Top 43.7% in tier
  • + Net Interest Margin 0.97% above tier average
  • + Efficiency Ratio 21.73% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.2% in tier
  • - Liquidity Strain: Bottom 46.0% in tier
Get updates when Connections 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 ? $516.6M
+3.2% YoY -0.7% QoQ
+$130.0M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $429.2M
+8.6% YoY +0.3% QoQ
+$170.9M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $456.3M
+3.8% YoY -1.9% QoQ
+$129.6M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.95%
+16.9% YoY +2.4% QoQ
+0.63% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 14.2% in tier
Net Interest Margin ? 4.95%
+8.0% YoY +0.0% QoQ
+0.97% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 8.7% in tier
Efficiency Ratio ? 42.75%
-6.9% YoY +0.0% QoQ
-21.73% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 6.4% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 94.06%
+4.6% YoY +2.2% QoQ
+16.11% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 20.65%
-3.1% YoY -3.7% QoQ
-1.38% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.80%
+1.4% YoY +2.3% QoQ
-6.11% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 8.1% in tier
Non-Interest Income / Assets ? 0.14%
+31.8% YoY +88.2% QoQ
-0.42% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
32%

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 20.6%
-0.7pp YoY
-0.8pp QoQ
 -1.5pp 22.1% 20.9% 22.2% 48%
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 2.0%
-1.2pp YoY
-0.5pp QoQ
 -9.5pp 11.6% 12.3% 12.5% 6%
CRE 50.7%
+5.1pp YoY
-0.2pp QoQ
 +11.2pp 39.5% 36.8% 41.4% 71%
1-4 Family 33.4%
-3.4pp YoY
+0.7pp QoQ
 +0.8pp 32.6% 31.9% 31.3% 58%
Consumer 0.7%
-0.2pp YoY
0.0pp QoQ
 -3.4pp 4.1% 4.1% 5.0% 20%

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 9.8%
+0.1pp YoY
+0.2pp QoQ
 -2.4pp 12.2% 11.6% 12.6% 27%
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 71
-2 (-2.7%) YoY
0 QoQ
 +12 58 162 482 72%
Assets per Employee ($) $7.3M
+6.1% YoY
-0.7% QoQ
 -$242K $7.5M $8.0M $8.8M 57%
Branch Count 10
0 YoY
0 QoQ
 +5 4 10 18 90%

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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 18.8%
+2.6pp YoY
+0.3pp QoQ
 +6.6pp 12.2% 14.3% 11.6% 84%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 59%
Net Income ($, YTD) $5.0M
+21.1% YoY
— QoQ
 +$2.4M $2.6M $11.3M $40.4M 87%

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 (2)

Credit Quality Leader

growth
#196 of 659 • Top 29.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#290 of 661 • Top 43.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Capital Thin

risk
#154 of 661 • Bottom 23.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.80%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#319 of 691 • Bottom 46.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
170
Efficiency Ratio
profitability
Value: 42.75%
Peer Median: 64.48%
#170 of 2643 Top 6.4% in $100M-$1B
231
Net Interest Margin
profitability
Value: 4.95%
Peer Median: 3.99%
#231 of 2643 Top 8.7% in $100M-$1B
376
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#376 of 2643 Top 14.2% in $100M-$1B
475
Total Loans
size
Value: $429.24M
Peer Median: $258.35M
#475 of 2643 Top 17.9% in $100M-$1B
649
Total Deposits
size
Value: $456.33M
Peer Median: $326.73M
#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (2 metrics)

2429
Tier 1 Capital Ratio
capital
Value: 9.80%
Peer Median: 15.91%
#2429 of 2643 Bottom 8.1% in $100M-$1B
2170
Loan-to-Deposit Ratio
liquidity
Value: 94.06%
Peer Median: 77.95%
#2170 of 2643 Bottom 17.9% in $100M-$1B
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