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The Bank of Old Monroe

$100M-$1B Specialty: Commercial MO FDIC cert 1655

Old Monroe, MO

5 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 +9.7% year over year ($916.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.62%.
  • Efficiency ratio 46.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.73% 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) →

The Bank of Old Monroe has 3 strengths but faces 3 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

  • + Credit Quality Leader: Top 24.3% in tier
  • + ROA 0.30% above tier average
  • + Efficiency Ratio 17.84% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.5% in tier
  • - Margin Compression: Bottom 48.2% in tier
  • - Net Interest Margin 0.33% below tier average
Get updates when The Bank of Old Monroe releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $994.6M
+11.2% YoY -0.0% QoQ
+$608.0M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 0.1% in tier
Total Loans ? $657.5M
+20.7% YoY +2.1% QoQ
+$399.2M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 3.7% in tier
Total Deposits ? $916.6M
+9.7% YoY -0.8% QoQ
+$589.9M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 0.1% in tier
Return on Assets ? 1.62%
-26.2% YoY -8.1% QoQ
+0.30% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 3.66%
-1.0% YoY -1.0% QoQ
-0.33% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 46.64%
+11.7% YoY -7.2% QoQ
-17.84% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 11.1% in tier
Delinquency Rate ? 0.00%
+162.4% YoY -96.5% QoQ
-0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 12.6% in tier
Loan-to-Deposit Ratio ? 71.73%
+10.0% YoY +2.9% QoQ
-6.22% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 22.84%
-7.2% YoY +2.7% QoQ
+0.81% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.00%
+184.8% YoY -96.5% QoQ
-0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 11.5% in tier
Tier 1 Capital Ratio ? 10.55%
-2.2% YoY -1.2% QoQ
-5.36% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.22%
+5.8% YoY +122.1% QoQ
-0.35% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
55%

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 22.8%
-1.8pp YoY
+0.6pp QoQ
 +0.7pp 22.1% 20.9% 22.2% 58%
Brokered Deposits 28.5%
+3.8pp YoY
+0.3pp QoQ
 +20.6pp 7.9% 7.4% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 14.3%
-2.5pp YoY
-0.1pp QoQ
 +2.7pp 11.6% 12.3% 12.5% 73%
CRE 55.9%
+4.4pp YoY
-1.9pp QoQ
 +16.4pp 39.5% 36.8% 41.4% 80%
1-4 Family 20.1%
-0.5pp YoY
+1.9pp QoQ
 -12.6pp 32.6% 31.9% 31.3% 30%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.1% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 10.5%
-0.2pp YoY
-0.1pp QoQ
 -1.6pp 12.2% 11.6% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 84
+1 (+1.2%) YoY
-1 (-1.2%) QoQ
 +25 58 162 482 79%
Assets per Employee ($) $11.8M
+9.9% YoY
+1.2% QoQ
 +$4.3M $7.5M $8.0M $8.8M 92%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

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 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 1%
Allowance Coverage 611.63x
-53.1% YoY
+3337.1% QoQ
 +587.48x 24.15x 10.47x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 23.4%
-16.2pp YoY
-2.4pp QoQ
 +11.3pp 12.2% 14.3% 11.6% 94%
Cost of Funds (YTD) 2.2%
0.0pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 79%
Net Income ($, YTD) $8.0M
-19.6% YoY
— QoQ
 +$5.4M $2.6M $11.3M $40.4M 97%

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)

Credit Quality Leader

growth
#161 of 659 • Top 24.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#7 of 1256 • Bottom 0.5% in tier

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

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Margin Compression

decline
#149 of 307 • Bottom 48.2% 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: 1.62%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

1
Total Deposits
size
Value: $916.64M
Peer Median: $326.73M
#1 of 2643 Top 0.1% in $100M-$1B
4
Total Assets
size
Value: $994.59M
Peer Median: $386.57M
#4 of 2643 Top 0.1% in $100M-$1B
98
Total Loans
size
Value: $657.53M
Peer Median: $258.35M
#98 of 2643 Top 3.7% in $100M-$1B
295
Efficiency Ratio
profitability
Value: 46.64%
Peer Median: 64.48%
#295 of 2643 Top 11.1% in $100M-$1B
306
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#306 of 2643 Top 11.5% in $100M-$1B
333
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#333 of 2633 Top 12.6% in $100M-$1B

Top Weaknesses (1 metrics)

2182
Tier 1 Capital Ratio
capital
Value: 10.55%
Peer Median: 15.91%
#2182 of 2643 Bottom 17.5% in $100M-$1B
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