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Bank of Billings

$100M-$1B Specialty: Commercial MO FDIC cert 16959

Billings, 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 +12.2% year over year ($91.2M on the books).
  • Delinquency rate 0.92%.
  • Return on assets 1.03%.
  • Efficiency ratio 71.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.89% 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) →

Bank of Billings has 1 strength 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

  • + Deposit Franchise: Top 39.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 53.8% in tier
  • - Efficiency Ratio 6.87% above tier average
Get updates when Bank of Billings releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $105.0M
+11.1% YoY +1.7% QoQ
-$281.6M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 1.2% in tier
Total Loans ? $78.4M
+7.3% YoY +1.5% QoQ
-$180.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 9.7% in tier
Total Deposits ? $91.2M
+12.2% YoY +1.6% QoQ
-$235.5M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 2.9% in tier
Return on Assets ? 1.03%
-13.8% YoY -0.1% QoQ
-0.29% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 5.29%
-5.2% YoY +2.2% QoQ
+1.31% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 4.5% in tier
Efficiency Ratio ? 71.35%
+4.2% YoY +0.9% QoQ
+6.87% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.92%
-45.2% YoY -38.3% QoQ
+0.00% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 85.89%
-4.4% YoY -0.0% QoQ
+7.94% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 31.32%
-5.2% YoY +8.7% QoQ
+9.29% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.68%
-47.1% YoY -51.7% QoQ
+0.02% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 9.88%
-2.7% YoY -1.9% QoQ
-6.03% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 9.0% in tier
Non-Interest Income / Assets ? 0.17%
+5.4% YoY +103.5% QoQ
-0.40% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
41%

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 31.3%
-1.7pp YoY
+2.5pp QoQ
 +9.2pp 22.1% 20.9% 22.2% 85%
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 4.9%
-1.8pp YoY
-0.4pp QoQ
 -6.7pp 11.6% 12.3% 12.5% 19%
CRE 29.9%
+2.0pp YoY
-1.5pp QoQ
 -9.7pp 39.5% 36.8% 41.4% 34%
1-4 Family 46.2%
-0.5pp YoY
+0.7pp QoQ
 +13.6pp 32.6% 31.9% 31.3% 78%
Consumer 1.8%
-0.1pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 4.1% 5.0% 45%

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 9.9%
-0.3pp YoY
-0.2pp QoQ
 -2.3pp 12.2% 11.6% 12.6% 28%
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 29
+4 (+16.0%) YoY
+1 (+3.6%) QoQ
 -30 58 162 482 25%
Assets per Employee ($) $3.6M
-4.2% YoY
-1.8% QoQ
 -$3.9M $7.5M $8.0M $8.8M 3%
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 0.9%
-0.8pp YoY
-0.6pp QoQ
 0.0pp 0.9% 0.8% 1.0% 69%
Allowance Coverage 0.93x
+85.9% YoY
+55.6% QoQ
 -23.23x 24.15x 10.47x 20.23x 24%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.3% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 8.2%
-1.1pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 14.3% 11.6% 26%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 56%
Net Income ($, YTD) $521,000
-6.6% YoY
— QoQ
 -$2.0M $2.6M $11.3M $40.4M 11%

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)

Deposit Franchise

growth
#112 of 278 • Top 39.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 31.32%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.29%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#166 of 307 • Bottom 53.8% 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: 1.03%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

120
Net Interest Margin
profitability
Value: 5.29%
Peer Median: 3.99%
#120 of 2643 Top 4.5% in $100M-$1B
405
Non-Interest-Bearing Deposit Share
funding
Value: 31.32%
Peer Median: 22.03%
#405 of 2643 Top 15.3% in $100M-$1B

Top Weaknesses (4 metrics)

2611
Total Assets
size
Value: $104.99M
Peer Median: $386.57M
#2611 of 2643 Bottom 1.2% in $100M-$1B
2567
Total Deposits
size
Value: $91.25M
Peer Median: $326.73M
#2567 of 2643 Bottom 2.9% in $100M-$1B
2406
Tier 1 Capital Ratio
capital
Value: 9.88%
Peer Median: 15.91%
#2406 of 2643 Bottom 9.0% in $100M-$1B
2387
Total Loans
size
Value: $78.37M
Peer Median: $258.35M
#2387 of 2643 Bottom 9.7% in $100M-$1B
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