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Security Bank of Southwest Missouri

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

Cassville, MO

3 branches across MO

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

Security Bank of Southwest Missouri has 4 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

  • + Revenue Diversifier: Top 28.1% in tier
  • + Profitability Leader: Top 38.7% in tier
  • + Net Interest Margin 0.98% above tier average
  • + Efficiency Ratio 22.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 38.1% in tier
  • - Delinquency Rate 1.56% above tier average
  • - Nonperforming Asset Ratio 1.33% above tier average
Get updates when Security Bank of Southwest Missouri releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $145.0M
+3.0% YoY +2.3% QoQ
-$241.1M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 12.8% in tier
Total Loans ? $116.3M
+8.6% YoY -0.2% QoQ
-$139.4M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
25%
Total Deposits ? $126.7M
+1.5% YoY +2.2% QoQ
-$201.3M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Bottom 14.2% in tier
Return on Assets ? 2.95%
+3.1% YoY +2.9% QoQ
+1.68% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
Top 2.2% in tier
Net Interest Margin ? 4.92%
+9.4% YoY +2.6% QoQ
+0.98% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
Top 8.7% in tier
Efficiency Ratio ? 42.85%
-3.4% YoY -3.6% QoQ
-22.44% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
Top 6.6% in tier
Delinquency Rate ? 2.45%
-35.7% YoY -12.6% QoQ
+1.56% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
Bottom 8.6% in tier
Loan-to-Deposit Ratio ? 91.82%
+6.9% YoY -2.4% QoQ
+15.19% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
21%
Non-Interest-Bearing Deposit Share ? 17.40%
-0.5% YoY +1.6% QoQ
-4.62% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
34%
Nonperforming Asset Ratio ? 1.97%
-32.3% YoY -14.7% QoQ
+1.33% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
Bottom 7.1% in tier
Tier 1 Capital Ratio ? 12.36%
+9.1% YoY +1.2% QoQ
-3.47% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.18%
-28.2% YoY -77.6% QoQ
-0.10% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
82%

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)

Revenue Diversifier

growth
#188 of 666 • Top 28.1% 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: 0.18%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.95%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth
#259 of 666 • Top 38.7% in tier

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

Why this signature
Return on Assets: 2.95%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk
#246 of 643 • Bottom 38.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.82%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

59
Return on Assets
profitability
Value: 2.95%
Peer Median: 1.27%
#59 of 2664 Top 2.2% in $100M-$1B
177
Efficiency Ratio
profitability
Value: 42.85%
Peer Median: 65.29%
#177 of 2664 Top 6.6% in $100M-$1B
234
Net Interest Margin
profitability
Value: 4.92%
Peer Median: 3.93%
#234 of 2664 Top 8.7% in $100M-$1B
490
Non-Interest Income / Assets
revenue_mix
Value: 0.18%
Peer Median: 0.28%
#490 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (6 metrics)

2476
Nonperforming Asset Ratio
credit_quality
Value: 1.97%
Peer Median: 0.64%
#2476 of 2664 Bottom 7.1% in $100M-$1B
2428
Delinquency Rate
credit_quality
Value: 2.45%
Peer Median: 0.89%
#2428 of 2654 Bottom 8.6% in $100M-$1B
2323
Total Assets
size
Value: $144.96M
Peer Median: $386.08M
#2323 of 2664 Bottom 12.8% in $100M-$1B
2288
Total Deposits
size
Value: $126.67M
Peer Median: $327.97M
#2288 of 2664 Bottom 14.2% in $100M-$1B
2112
Loan-to-Deposit Ratio
liquidity
Value: 91.82%
Peer Median: 76.64%
#2112 of 2664 Bottom 20.8% in $100M-$1B
2005
Total Loans
size
Value: $116.31M
Peer Median: $255.72M
#2005 of 2664 Bottom 24.8% in $100M-$1B
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