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The Missouri Bank

$100M-$1B Specialty: Commercial MO FDIC cert 14036

Warrenton, MO

7 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 -3.6% year over year ($403.2M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.14%.
  • Efficiency ratio 46.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.94% 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) →

The Missouri Bank has 3 strengths but faces 3 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

  • + Profitability Leader: Top 21.0% in tier
  • + Efficiency Ratio 18.18% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.8% in tier
  • - Credit Risk Growth: Bottom 16.1% in tier
  • - Net Interest Margin 0.05% below tier average
Get updates when The 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 ? $461.5M
-1.8% YoY -2.7% QoQ
+$74.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $310.2M
+5.0% YoY -0.1% QoQ
+$51.9M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $403.2M
-3.6% YoY -3.6% QoQ
+$76.4M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 2.14%
+27.3% YoY +2.2% QoQ
+0.82% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 10.2% in tier
Net Interest Margin ? 3.93%
+7.6% YoY +3.1% QoQ
-0.05% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 46.30%
-7.3% YoY +1.6% QoQ
-18.18% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 10.7% in tier
Delinquency Rate ? 0.13%
+102.2% YoY -5.2% QoQ
-0.79% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 76.94%
+8.9% YoY +3.6% QoQ
-1.01% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 27.94%
+6.9% YoY +1.5% QoQ
+5.91% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.09%
+116.3% YoY -2.6% QoQ
-0.58% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 12.57%
+5.0% YoY +2.3% QoQ
-3.34% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.22%
+12.8% YoY +99.2% QoQ
-0.35% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
55%

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 27.9%
+1.8pp YoY
+0.4pp QoQ
 +5.8pp 22.1% 20.9% 22.2% 76%
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 3.8%
-0.8pp YoY
+0.2pp QoQ
 -7.8pp 11.6% 12.3% 12.5% 13%
CRE 49.1%
-3.5pp YoY
+0.8pp QoQ
 +9.5pp 39.5% 36.8% 41.4% 68%
1-4 Family 34.8%
+4.7pp YoY
+0.4pp QoQ
 +2.2pp 32.6% 31.9% 31.3% 61%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.1% 5.0% 19%

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 12.6%
+0.6pp YoY
+0.3pp QoQ
 +0.4pp 12.2% 11.6% 12.6% 71%
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 68
+4 (+6.2%) YoY
-2 (-2.9%) QoQ
 +9 58 162 482 69%
Assets per Employee ($) $6.8M
-7.6% YoY
+0.2% QoQ
 -$732K $7.5M $8.0M $8.8M 48%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 50%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 7%
Allowance Coverage 9.86x
-49.3% YoY
+6.1% QoQ
 -14.30x 24.15x 10.47x 20.23x 81%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 18.3%
+2.6pp YoY
-0.2pp QoQ
 +6.1pp 12.2% 14.3% 11.6% 83%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $5.1M
+31.3% YoY
— QoQ
 +$2.6M $2.6M $11.3M $40.4M 88%

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 (1)

Profitability Leader

growth
#140 of 661 • Top 21.0% in tier

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

Why this signature
Return on Assets: 2.14%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Credit Quality Pressure

risk
#175 of 1256 • Bottom 13.8% in tier

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

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#152 of 936 • Bottom 16.1% 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)

271
Return on Assets
profitability
Value: 2.14%
Peer Median: 1.32%
#271 of 2643 Top 10.2% in $100M-$1B
284
Efficiency Ratio
profitability
Value: 46.30%
Peer Median: 64.48%
#284 of 2643 Top 10.7% in $100M-$1B
635
Non-Interest-Bearing Deposit Share
funding
Value: 27.94%
Peer Median: 22.03%
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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