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Goppert Financial Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 8569

Lathrop, 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 +11.7% year over year ($269.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.30%.
  • Efficiency ratio 58.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.52% 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) →

Goppert Financial Bank 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 6.28% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 25.4% in tier
  • - Margin Compression: Bottom 60.9% in tier
Get updates when Goppert Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $312.0M
+10.8% YoY +0.6% QoQ
-$74.5M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $200.7M
+17.3% YoY +3.4% QoQ
-$57.7M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $269.3M
+11.7% YoY +0.5% QoQ
-$57.5M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.30%
-14.2% YoY -0.9% QoQ
-0.02% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 4.12%
+0.4% YoY +0.7% QoQ
+0.13% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 58.19%
+12.0% YoY -0.6% QoQ
-6.28% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 74.52%
+5.1% YoY +2.9% QoQ
-3.43% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 22.47%
+1.8% YoY -3.2% QoQ
+0.44% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 10.07%
-1.7% YoY -0.2% QoQ
-5.84% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 11.7% in tier
Non-Interest Income / Assets ? 0.11%
-12.0% YoY +92.4% QoQ
-0.45% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
24%

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 22.5%
+0.4pp YoY
-0.7pp QoQ
 +0.3pp 22.1% 20.9% 22.2% 56%
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 17.6%
-2.5pp YoY
-0.2pp QoQ
 +6.1pp 11.6% 12.3% 12.5% 83%
CRE 12.9%
+0.6pp YoY
-0.3pp QoQ
 -26.6pp 39.5% 36.8% 41.4% 8%
1-4 Family 12.9%
0.0pp YoY
-0.2pp QoQ
 -19.7pp 32.6% 31.9% 31.3% 16%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.1% 5.0% 23%

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 10.1%
-0.2pp YoY
0.0pp QoQ
 -2.1pp 12.2% 11.6% 12.6% 33%
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 46
+3 (+7.0%) YoY
0 QoQ
 -13 58 162 482 48%
Assets per Employee ($) $6.8M
+3.6% YoY
+0.6% QoQ
 -$735K $7.5M $8.0M $8.8M 48%
Branch Count 5
+1 (+25.0%) 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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 12.9%
-2.0pp YoY
-0.1pp QoQ
 +0.8pp 12.2% 14.3% 11.6% 56%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 52%
Net Income ($, YTD) $2.0M
-5.4% YoY
— QoQ
 -$559K $2.6M $11.3M $40.4M 52%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#36 of 138 • Bottom 25.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.19%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Margin Compression

decline
#188 of 307 • Bottom 60.9% 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: 1.30%
(Tier: 1.32%, National: 1.30%)
worse 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 (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (2 metrics)

2336
Tier 1 Capital Ratio
capital
Value: 10.07%
Peer Median: 15.91%
#2336 of 2643 Bottom 11.7% in $100M-$1B
2021
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2021 of 2643 Bottom 23.6% in $100M-$1B
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