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Neighbors Bank

$100M-$1B Specialty: Mortgage MO FDIC cert 16247

Clarence, MO

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

Neighbors Bank has 1 strength but faces 6 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

  • + Revenue Diversifier: Top 33.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 10.4% in tier
  • - NIB Deposit Bleed: Bottom 64.1% in tier
  • - Return on Assets 5.33% below tier average
  • - Net Interest Margin 1.54% below tier average
  • - Loan-to-Deposit Ratio 25.35% above tier average
  • - Delinquency Rate 0.43% above tier average
Get updates when Neighbors 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 ? $113.6M
+28.4% YoY +0.5% QoQ
-$272.5M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 4.0% in tier
Total Loans ? $88.5M
+35.4% YoY +11.3% QoQ
-$167.2M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
Bottom 15.0% in tier
Total Deposits ? $86.8M
+27.0% YoY -7.9% QoQ
-$241.2M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Bottom 1.8% in tier
Return on Assets ? -4.06%
-352.3% YoY -430.3% QoQ
-5.33% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
Bottom 0.3% in tier
Net Interest Margin ? 2.39%
-21.8% YoY -18.1% QoQ
-1.54% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
Bottom 2.5% in tier
Efficiency Ratio ? 108.52%
+11.7% YoY +6.3% QoQ
+43.23% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
Bottom 1.5% in tier
Delinquency Rate ? 1.32%
+22.7% YoY -18.0% QoQ
+0.43% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
22%
Loan-to-Deposit Ratio ? 101.99%
+6.6% YoY +20.7% QoQ
+25.35% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
Bottom 6.8% in tier
Non-Interest-Bearing Deposit Share ? 12.20%
-15.7% YoY +6.4% QoQ
-9.82% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
15%
Nonperforming Asset Ratio ? 1.08%
+35.2% YoY -8.9% QoQ
+0.44% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
18%
Tier 1 Capital Ratio ? 12.06%
-36.2% YoY -5.5% QoQ
-3.77% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
36%
Non-Interest Income / Assets ? 11.95%
+6.7% YoY -69.4% QoQ
+11.67% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
Top 0.3% in tier

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)

Revenue Diversifier

growth
#221 of 666 • Top 33.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 11.95%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: -4.06%
(Tier: 1.27%, National: 1.23%)
but worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Efficiency Drag

risk
#44 of 414 • Bottom 10.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 108.52%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank improving

NIB Deposit Bleed

decline
#128 of 198 • Bottom 64.1% 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: 12.20%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

8
Non-Interest Income / Assets
revenue_mix
Value: 11.95%
Peer Median: 0.28%
#8 of 2664 Top 0.3% in $100M-$1B

Top Weaknesses (10 metrics)

2656
Return on Assets
profitability
Value: -4.06%
Peer Median: 1.27%
#2656 of 2664 Bottom 0.3% in $100M-$1B
2626
Efficiency Ratio
profitability
Value: 108.52%
Peer Median: 65.29%
#2626 of 2664 Bottom 1.5% in $100M-$1B
2618
Total Deposits
size
Value: $86.78M
Peer Median: $327.97M
#2618 of 2664 Bottom 1.8% in $100M-$1B
2598
Net Interest Margin
profitability
Value: 2.39%
Peer Median: 3.93%
#2598 of 2664 Bottom 2.5% in $100M-$1B
2558
Total Assets
size
Value: $113.59M
Peer Median: $386.08M
#2558 of 2664 Bottom 4.0% in $100M-$1B
2484
Loan-to-Deposit Ratio
liquidity
Value: 101.99%
Peer Median: 76.64%
#2484 of 2664 Bottom 6.8% in $100M-$1B
2266
Total Loans
size
Value: $88.51M
Peer Median: $255.72M
#2266 of 2664 Bottom 15.0% in $100M-$1B
2255
Non-Interest-Bearing Deposit Share
funding
Value: 12.20%
Peer Median: 22.02%
#2255 of 2664 Bottom 15.4% in $100M-$1B
2180
Nonperforming Asset Ratio
credit_quality
Value: 1.08%
Peer Median: 0.64%
#2180 of 2664 Bottom 18.2% in $100M-$1B
2077
Delinquency Rate
credit_quality
Value: 1.32%
Peer Median: 0.89%
#2077 of 2654 Bottom 21.8% in $100M-$1B
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