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Security Bank of Southwest Missouri

$100M-$1B Specialty: Other MO FDIC cert 26520

Cassville, MO

3 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 +3.3% year over year ($127.7M on the books).
  • Delinquency rate 2.21%.
  • Return on assets 3.02%.
  • Efficiency ratio 42.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.60% 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) →

Security Bank of Southwest Missouri has 4 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

  • + Profitability Leader: Top 28.0% in tier
  • + Revenue Diversifier: Top 28.3% in tier
  • + Net Interest Margin 1.00% above tier average
  • + Efficiency Ratio 21.99% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.03% above tier average
  • - Delinquency Rate 1.29% above tier average
Get updates when Security Bank of Southwest 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 ? $146.8M
+4.7% YoY +1.3% QoQ
-$239.8M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 13.1% in tier
Total Loans ? $113.2M
+4.0% YoY -2.7% QoQ
-$145.2M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $127.7M
+3.3% YoY +0.8% QoQ
-$199.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 14.8% in tier
Return on Assets ? 3.02%
+6.2% YoY +2.4% QoQ
+1.70% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 1.9% in tier
Net Interest Margin ? 4.99%
+7.2% YoY +1.5% QoQ
+1.00% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 8.2% in tier
Efficiency Ratio ? 42.49%
-5.0% YoY -0.8% QoQ
-21.99% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 6.0% in tier
Delinquency Rate ? 2.21%
-33.2% YoY -9.9% QoQ
+1.29% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 11.0% in tier
Loan-to-Deposit Ratio ? 88.60%
+0.7% YoY -3.5% QoQ
+10.65% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 19.19%
+10.2% YoY +10.3% QoQ
-2.84% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 1.70%
-33.6% YoY -13.4% QoQ
+1.03% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 10.0% in tier
Tier 1 Capital Ratio ? 12.74%
+10.2% YoY +3.1% QoQ
-3.17% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.37%
-14.7% YoY +105.4% QoQ
-0.20% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
82%

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 19.2%
+1.8pp YoY
+1.8pp QoQ
 -3.0pp 22.1% 20.9% 22.2% 41%
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 7.9%
0.0pp YoY
-0.2pp QoQ
 -3.7pp 11.6% 12.3% 12.5% 39%
CRE 20.2%
-2.2pp YoY
-1.8pp QoQ
 -19.4pp 39.5% 36.8% 41.4% 18%
1-4 Family 50.2%
+5.2pp YoY
+3.2pp QoQ
 +17.6pp 32.6% 31.9% 31.3% 82%
Consumer 6.2%
-0.7pp YoY
+0.4pp QoQ
 +2.1pp 4.1% 4.1% 5.0% 83%

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 12.7%
+1.2pp YoY
+0.4pp QoQ
 +0.6pp 12.2% 11.6% 12.6% 73%
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 32
0 YoY
0 QoQ
 -27 58 162 482 30%
Assets per Employee ($) $4.6M
+4.7% YoY
+1.3% QoQ
 -$2.9M $7.5M $8.0M $8.8M 9%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.6%
-0.9pp YoY
+0.2pp QoQ
 +1.3pp 0.3% 0.3% 0.4% 96%
Nonaccrual 0.6%
-0.2pp YoY
-0.4pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 58%
Allowance Coverage 0.63x
+67.4% YoY
+22.6% QoQ
 -23.53x 24.15x 10.47x 20.23x 15%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 24.3%
-0.9pp YoY
+0.3pp QoQ
 +12.1pp 12.2% 14.3% 11.6% 95%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 63%
Net Income ($, YTD) $2.2M
+11.2% YoY
— QoQ
 -$374K $2.6M $11.3M $40.4M 56%

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 (2)

Profitability Leader

growth
#186 of 661 • Top 28.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.02%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#188 of 661 • Top 28.3% 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: 0.37%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 3.02%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

52
Return on Assets
profitability
Value: 3.02%
Peer Median: 1.32%
#52 of 2643 Top 1.9% in $100M-$1B
160
Efficiency Ratio
profitability
Value: 42.49%
Peer Median: 64.48%
#160 of 2643 Top 6.0% in $100M-$1B
218
Net Interest Margin
profitability
Value: 4.99%
Peer Median: 3.99%
#218 of 2643 Top 8.2% in $100M-$1B
473
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#473 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (5 metrics)

2381
Nonperforming Asset Ratio
credit_quality
Value: 1.70%
Peer Median: 0.67%
#2381 of 2643 Bottom 10.0% in $100M-$1B
2345
Delinquency Rate
credit_quality
Value: 2.21%
Peer Median: 0.92%
#2345 of 2633 Bottom 11.0% in $100M-$1B
2298
Total Assets
size
Value: $146.81M
Peer Median: $386.57M
#2298 of 2643 Bottom 13.1% in $100M-$1B
2252
Total Deposits
size
Value: $127.72M
Peer Median: $326.73M
#2252 of 2643 Bottom 14.8% in $100M-$1B
2032
Total Loans
size
Value: $113.16M
Peer Median: $258.35M
#2032 of 2643 Bottom 23.2% in $100M-$1B
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