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The Bank of Missouri

$1B-$10B Specialty: Commercial MO FDIC cert 1617

Designations: ✓ Community bank

Perryville, MO

32 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +41.8% year over year ($3.6B on the books).
  • Delinquency rate 1.54%.
  • Return on assets 0.93%.
  • Efficiency ratio 74.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.23% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

The Bank of Missouri faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 20.0% in tier
  • - NIB Deposit Bleed: Bottom 45.6% in tier
  • - Cost Spiral: Bottom 96.8% in tier
  • - Net Interest Margin 0.50% below tier average
  • - Delinquency Rate 0.67% above tier average
Get updates when The Bank of Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $4.2B
+36.0% YoY -0.3% QoQ
+$1.4B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $3.2B
+48.5% YoY +1.0% QoQ
+$1.2B $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $3.6B
+41.8% YoY -0.8% QoQ
+$1.3B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 0.93%
-63.7% YoY +8.6% QoQ
-0.47% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.37%
+20.8% YoY +8.4% QoQ
-0.50% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
29%
Efficiency Ratio ? 74.52%
+38.9% YoY -3.0% QoQ
+14.79% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Bottom 13.7% in tier
Delinquency Rate ? 1.54%
+584.3% YoY +513.7% QoQ
+0.67% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 88.23%
+4.7% YoY +1.9% QoQ
+3.20% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 17.70%
-17.2% YoY +4.0% QoQ
-3.57% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 1.15%
+647.1% YoY +516.8% QoQ
+0.48% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 10.83%
-16.3% YoY -0.6% QoQ
-4.01% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
15%
Non-Interest Income / Assets ? 0.60%
-67.8% YoY +102.9% QoQ
+0.07% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 14.1% in tier

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 17.7%
-3.7pp YoY
+0.7pp QoQ
 -3.7pp 21.4% 20.9% 22.2% 38%
Brokered Deposits 13.8%
+9.9pp YoY
-1.0pp QoQ
 +4.3pp 9.5% 7.4% 8.5% 79%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 33.1%
+20.3pp YoY
+0.3pp QoQ
 +19.1pp 14.0% 12.3% 12.5% 93%
CRE 34.0%
-6.1pp YoY
-0.5pp QoQ
 -16.1pp 50.0% 36.8% 41.4% 14%
1-4 Family 21.8%
-9.2pp YoY
-0.5pp QoQ
 -4.7pp 26.4% 31.9% 31.3% 46%
Consumer 2.8%
-2.2pp YoY
+0.2pp QoQ
 -1.9pp 4.7% 4.1% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 10.8%
-2.1pp YoY
-0.1pp QoQ
 -4.8pp 15.6% 18.5% 19.7% 7%
Leverage Ratio 9.6%
-1.0pp YoY
-0.9pp QoQ
 -1.7pp 11.3% 11.6% 12.6% 25%
Total Capital Ratio 11.1%
-2.8pp YoY
-0.4pp QoQ
 -5.6pp 16.7% 19.6% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 573
+40 (+7.5%) YoY
+4 (+0.7%) QoQ
 +259 313 162 482 87%
Assets per Employee ($) $7.4M
+26.6% YoY
-1.0% QoQ
 -$3.1M $10.5M $8.0M $8.8M 28%
Branch Count 32
+3 (+10.3%) YoY
+1 (+3.2%) QoQ
 +12 20 10 18 83%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 38%
Nonaccrual 1.5%
+1.3pp YoY
+1.3pp QoQ
 +0.7pp 0.8% 0.8% 1.0% 86%
Allowance Coverage 0.43x
-90.3% YoY
-90.0% QoQ
 -18.28x 18.71x 10.47x 20.23x 5%
Net Charge-off Rate (YTD) 0.8%
+0.9pp YoY
+0.8pp QoQ
 +0.6pp 0.3% 0.3% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 8.1%
-16.5pp YoY
+0.5pp QoQ
 -4.5pp 12.6% 14.3% 11.6% 20%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
+0.2pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 62%
Net Income ($, YTD) $19.6M
-49.8% YoY
— QoQ
 +$333K $19.2M $11.3M $40.4M 68%

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 (3)

Margin Compression

decline
#18 of 85 • Bottom 20.0% 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: 0.93%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ

NIB Deposit Bleed

decline
#22 of 46 • Bottom 45.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 17.70%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Cost Spiral

risk
#31 of 31 • Bottom 96.8% 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: 74.52%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

126
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.53%
#126 of 885 Top 14.1% in $1B-$10B
148
Total Loans
size
Value: $3.16B
Peer Median: $1.96B
#148 of 885 Top 16.6% in $1B-$10B
153
Total Deposits
size
Value: $3.58B
Peer Median: $2.32B
#153 of 885 Top 17.2% in $1B-$10B
164
Total Assets
size
Value: $4.23B
Peer Median: $2.79B
#164 of 885 Top 18.4% in $1B-$10B

Top Weaknesses (5 metrics)

765
Efficiency Ratio
profitability
Value: 74.52%
Peer Median: 59.73%
#765 of 885 Bottom 13.7% in $1B-$10B
751
Tier 1 Capital Ratio
capital
Value: 10.83%
Peer Median: 14.84%
#751 of 885 Bottom 15.3% in $1B-$10B
747
Delinquency Rate
credit_quality
Value: 1.54%
Peer Median: 0.87%
#747 of 882 Bottom 15.4% in $1B-$10B
730
Nonperforming Asset Ratio
credit_quality
Value: 1.15%
Peer Median: 0.67%
#730 of 885 Bottom 17.6% in $1B-$10B
666
Return on Assets
profitability
Value: 0.93%
Peer Median: 1.39%
#666 of 885 Bottom 24.9% in $1B-$10B
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