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Chillicothe State Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 15546

Chillicothe, MO

2 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 +1.1% year over year ($122.7M on the books).
  • Delinquency rate 0.73%.
  • Return on assets 1.24%.
  • Efficiency ratio 62.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.58% 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) →

Chillicothe State Bank has 2 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

  • + Efficiency Ratio 1.84% below tier average
  • + Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 26.4% in tier
  • - Cost Spiral: Bottom 32.6% in tier
Get updates when Chillicothe State 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 ? $135.2M
+1.0% YoY -2.8% QoQ
-$251.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 9.6% in tier
Total Loans ? $74.3M
+3.0% YoY +3.3% QoQ
-$184.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 8.2% in tier
Total Deposits ? $122.7M
+1.1% YoY -3.4% QoQ
-$204.1M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 12.9% in tier
Return on Assets ? 1.24%
-17.0% YoY -1.3% QoQ
-0.08% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 4.03%
+6.7% YoY +1.7% QoQ
+0.05% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 62.64%
+10.6% YoY +1.8% QoQ
-1.84% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 0.73%
-48.4% YoY -7.6% QoQ
-0.19% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 60.58%
+1.8% YoY +7.0% QoQ
-17.37% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 28.25%
-2.2% YoY -5.3% QoQ
+6.22% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.40%
-47.3% YoY -1.8% QoQ
-0.27% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 17.10%
-15.1% YoY -14.0% QoQ
+1.19% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.21%
-51.1% YoY +105.9% QoQ
-0.36% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
52%

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 28.3%
-0.6pp YoY
-1.6pp QoQ
 +6.1pp 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 5.5%
-0.7pp YoY
-0.1pp QoQ
 -6.1pp 11.6% 12.3% 12.5% 22%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 45.3%
-0.3pp YoY
-1.6pp QoQ
 +12.7pp 32.6% 31.9% 31.3% 77%
Consumer 7.9%
-0.5pp YoY
-0.4pp QoQ
 +3.8pp 4.1% 4.1% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 17.1%
-3.0pp YoY
-2.8pp QoQ
 -1.7pp 18.8% 18.5% 19.7% 64%
Leverage Ratio 7.9%
-1.4pp YoY
-0.8pp QoQ
 -4.3pp 12.2% 11.6% 12.6% 2%
Total Capital Ratio 18.4%
-3.0pp YoY
-2.8pp QoQ
 -1.6pp 19.9% 19.6% 20.8% 65%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 24
+2 (+9.1%) YoY
0 QoQ
 -35 58 162 482 17%
Assets per Employee ($) $5.6M
-7.4% YoY
-2.8% QoQ
 -$1.9M $7.5M $8.0M $8.8M 26%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

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 0.7%
-0.7pp YoY
-0.1pp QoQ
 -0.2pp 0.9% 0.8% 1.0% 64%
Allowance Coverage 2.18x
+115.5% YoY
+6.1% QoQ
 -21.97x 24.15x 10.47x 20.23x 50%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 15.1%
-3.9pp YoY
-0.5pp QoQ
 +2.9pp 12.2% 14.3% 11.6% 68%
Cost of Funds (YTD) 0.8%
+0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 6%
Net Income ($, YTD) $851,000
-16.2% YoY
— QoQ
 -$1.7M $2.6M $11.3M $40.4M 22%

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 (2)

Margin Compression

decline
#82 of 307 • Bottom 26.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#46 of 138 • Bottom 32.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 62.64%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

474
Loan-to-Deposit Ratio
liquidity
Value: 60.58%
Peer Median: 77.95%
#474 of 2643 Top 17.9% in $100M-$1B
603
Tier 1 Capital Ratio
capital
Value: 17.10%
Peer Median: 15.91%
#603 of 2643 Top 22.8% in $100M-$1B
617
Non-Interest-Bearing Deposit Share
funding
Value: 28.25%
Peer Median: 22.03%
#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2426
Total Loans
size
Value: $74.32M
Peer Median: $258.35M
#2426 of 2643 Bottom 8.2% in $100M-$1B
2391
Total Assets
size
Value: $135.18M
Peer Median: $386.57M
#2391 of 2643 Bottom 9.6% in $100M-$1B
2303
Total Deposits
size
Value: $122.68M
Peer Median: $326.73M
#2303 of 2643 Bottom 12.9% in $100M-$1B
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