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MA Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 14695

Macon, MO

3 branches across MO

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

MA Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 35.4% in tier
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.56% below tier average
  • - Efficiency Ratio 0.73% above tier average
Get updates when MA 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 ? $407.4M
+5.5% YoY +0.8% QoQ
+$21.3M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
62%
Total Loans ? $220.8M
+13.0% YoY +3.3% QoQ
-$34.9M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
53%
Total Deposits ? $363.7M
+5.1% YoY +1.1% QoQ
+$35.7M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
65%
Return on Assets ? 1.12%
+70.5% YoY +31.4% QoQ
-0.15% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
45%
Net Interest Margin ? 3.37%
+5.0% YoY +1.5% QoQ
-0.56% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
25%
Efficiency Ratio ? 66.02%
-7.0% YoY -8.8% QoQ
+0.73% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
42%
Delinquency Rate ? 0.71%
-8.4% YoY -2.7% QoQ
-0.18% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
36%
Loan-to-Deposit Ratio ? 60.70%
+7.6% YoY +2.2% QoQ
-15.93% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
80%
Non-Interest-Bearing Deposit Share ? 21.92%
+4.1% YoY -0.6% QoQ
-0.10% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.38%
-2.6% YoY -0.3% QoQ
-0.25% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
44%
Tier 1 Capital Ratio ? 9.52%
-0.3% YoY -3.0% QoQ
-6.31% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
Bottom 4.7% in tier
Non-Interest Income / Assets ? 0.10%
-21.1% YoY -81.0% QoQ
-0.18% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
54%

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)

Capital Thin

risk
#237 of 666 • Bottom 35.4% 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: 9.52%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

523
Loan-to-Deposit Ratio
liquidity
Value: 60.70%
Peer Median: 76.64%
#523 of 2664 Top 19.6% in $100M-$1B

Top Weaknesses (2 metrics)

2540
Tier 1 Capital Ratio
capital
Value: 9.52%
Peer Median: 15.83%
#2540 of 2664 Bottom 4.7% in $100M-$1B
2001
Net Interest Margin
profitability
Value: 3.37%
Peer Median: 3.93%
#2001 of 2664 Bottom 24.9% in $100M-$1B
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