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Bank of Weston

$100M-$1B Specialty: Commercial MO FDIC cert 1418

Weston, MO

3 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 +10.1% year over year ($225.4M on the books).
  • Delinquency rate 0.91%.
  • Return on assets 1.88%.
  • Efficiency ratio 51.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.44% 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) →

Bank of Weston 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

  • + Profitability Leader: Top 16.9% in tier
  • + Net Interest Margin 0.75% above tier average
  • + Efficiency Ratio 12.83% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 18.8% in tier
  • - Credit Quality Pressure: Bottom 35.1% in tier
Get updates when Bank of Weston releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $246.5M
+10.5% YoY +2.5% QoQ
-$140.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $179.1M
+5.9% YoY +1.6% QoQ
-$79.3M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $225.4M
+10.1% YoY +2.4% QoQ
-$101.3M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.88%
+54.5% YoY -5.4% QoQ
+0.56% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
84%
Net Interest Margin ? 4.73%
+11.6% YoY +1.0% QoQ
+0.75% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 13.3% in tier
Efficiency Ratio ? 51.65%
-13.0% YoY -1.5% QoQ
-12.83% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.91%
+4.1% YoY +74.7% QoQ
-0.01% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 79.44%
-3.8% YoY -0.8% QoQ
+1.48% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 25.74%
-0.0% YoY +5.2% QoQ
+3.71% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.68%
+2.5% YoY +77.7% QoQ
+0.01% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 12.53%
+9.2% YoY +2.0% QoQ
-3.38% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.15%
-17.2% YoY +104.3% QoQ
-0.41% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
36%

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 25.7%
0.0pp YoY
+1.3pp QoQ
 +3.6pp 22.1% 20.9% 22.2% 68%
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 7.9%
-0.9pp YoY
-0.9pp QoQ
 -3.7pp 11.6% 12.3% 12.5% 39%
CRE 56.0%
+0.8pp YoY
-0.9pp QoQ
 +16.4pp 39.5% 36.8% 41.4% 80%
1-4 Family 30.3%
+0.4pp YoY
+1.9pp QoQ
 -2.3pp 32.6% 31.9% 31.3% 52%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.1% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 12.5%
+1.1pp YoY
+0.2pp QoQ
 -6.3pp 18.8% 18.5% 19.7% 23%
Leverage Ratio 8.8%
+0.4pp YoY
+0.1pp QoQ
 -3.4pp 12.2% 11.6% 12.6% 9%
Total Capital Ratio 13.8%
+1.1pp YoY
+0.2pp QoQ
 -6.2pp 19.9% 19.6% 20.8% 24%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 35
0 YoY
-2 (-5.4%) QoQ
 -24 58 162 482 35%
Assets per Employee ($) $7.0M
+10.5% YoY
+8.4% QoQ
 -$476K $7.5M $8.0M $8.8M 53%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.2pp YoY
+0.5pp QoQ
 +0.2pp 0.3% 0.3% 0.4% 84%
Nonaccrual 0.4%
-0.1pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 43%
Allowance Coverage 1.44x
-2.9% YoY
-42.7% QoQ
 -22.72x 24.15x 10.47x 20.23x 38%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 23.0%
+7.0pp YoY
-1.4pp QoQ
 +10.8pp 12.2% 14.3% 11.6% 94%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 34%
Net Income ($, YTD) $2.3M
+66.9% YoY
— QoQ
 -$303K $2.6M $11.3M $40.4M 58%

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
#113 of 661 • Top 16.9% in tier

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

Why this signature
Return on Assets: 1.88%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#177 of 936 • Bottom 18.8% 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

Credit Quality Pressure

risk
#442 of 1256 • Bottom 35.1% in tier

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

Why this signature
Delinquency Rate: 0.91%
(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

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)

352
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.99%
#352 of 2643 Top 13.3% in $100M-$1B
434
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.32%
#434 of 2643 Top 16.4% in $100M-$1B
534
Efficiency Ratio
profitability
Value: 51.65%
Peer Median: 64.48%
#534 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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