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The Maries County Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 8576

Vienna, MO

12 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 -1.1% year over year ($518.5M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.05%.
  • Efficiency ratio 68.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.57% 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 Maries County Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.24% above tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 26.8% in tier
  • - Deposit Outflow: Bottom 30.8% in tier
  • - ROA 0.27% below tier average
  • - Efficiency Ratio 3.65% above tier average
Get updates when The Maries County 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 ? $600.5M
-1.0% YoY -0.2% QoQ
+$213.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $376.3M
+8.8% YoY +3.2% QoQ
+$118.0M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $518.5M
-1.1% YoY -0.3% QoQ
+$191.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.05%
+13.4% YoY -6.0% QoQ
-0.27% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 4.22%
+11.6% YoY +2.0% QoQ
+0.24% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 68.13%
-3.7% YoY +1.4% QoQ
+3.65% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.12%
-63.8% YoY -25.2% QoQ
-0.79% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 72.57%
+9.9% YoY +3.5% QoQ
-5.38% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 18.29%
-9.0% YoY +1.5% QoQ
-3.74% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.08%
-76.6% YoY -22.7% QoQ
-0.59% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 14.83%
+3.8% YoY -0.1% QoQ
-1.08% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.34%
+4.5% YoY +114.2% QoQ
-0.22% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
78%

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 18.3%
-1.8pp YoY
+0.3pp QoQ
 -3.9pp 22.1% 20.9% 22.2% 37%
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 6.0%
-0.4pp YoY
0.0pp QoQ
 -5.5pp 11.6% 12.3% 12.5% 26%
CRE 30.7%
+4.1pp YoY
+1.4pp QoQ
 -8.8pp 39.5% 36.8% 41.4% 36%
1-4 Family 22.5%
-1.2pp YoY
-0.3pp QoQ
 -10.2pp 32.6% 31.9% 31.3% 35%
Consumer 11.3%
-1.8pp YoY
-0.6pp QoQ
 +7.2pp 4.1% 4.1% 5.0% 94%

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 14.8%
+0.5pp YoY
0.0pp QoQ
 +2.7pp 12.2% 11.6% 12.6% 86%
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 147
+3 (+2.1%) YoY
0 QoQ
 +88 58 162 482 97%
Assets per Employee ($) $4.1M
-3.0% YoY
-0.2% QoQ
 -$3.4M $7.5M $8.0M $8.8M 5%
Branch Count 12
0 YoY
0 QoQ
 +7 4 10 18 95%

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 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 21%
Allowance Coverage 12.19x
+175.8% YoY
+34.0% QoQ
 -11.97x 24.15x 10.47x 20.23x 84%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.3% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 8.1%
0.0pp YoY
-0.5pp QoQ
 -4.1pp 12.2% 14.3% 11.6% 26%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 40%
Net Income ($, YTD) $3.2M
+13.0% YoY
— QoQ
 +$617K $2.6M $11.3M $40.4M 72%

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)

Flatlined Growth

risk
#143 of 529 • Bottom 26.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.05%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#166 of 535 • Bottom 30.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (4 metrics)

485
Total Deposits
size
Value: $518.53M
Peer Median: $326.73M
#485 of 2643 Top 18.3% in $100M-$1B
511
Total Assets
size
Value: $600.50M
Peer Median: $386.57M
#511 of 2643 Top 19.3% in $100M-$1B
571
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#571 of 2643 Top 21.6% in $100M-$1B
619
Total Loans
size
Value: $376.32M
Peer Median: $258.35M
#619 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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