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The Bank of Advance

$100M-$1B Specialty: Agricultural MO FDIC cert 9369

Advance, MO

7 branches across MO · IL

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 +2.2% year over year ($438.7M on the books).
  • Delinquency rate 0.76%.
  • Return on assets 2.42%.
  • Efficiency ratio 47.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.59% 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 Bank of Advance 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

  • + Profitability Leader: Top 29.5% in tier
  • + Net Interest Margin 0.88% above tier average
  • + Efficiency Ratio 16.86% below tier average
  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 8.7% in tier
  • - Liquidity Strain: Bottom 14.8% in tier
  • - Credit Quality Pressure: Bottom 36.0% in tier
Get updates when The Bank of Advance releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $509.9M
+2.5% YoY -0.1% QoQ
+$123.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $401.8M
+3.3% YoY +1.4% QoQ
+$143.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $438.7M
+2.2% YoY -0.3% QoQ
+$112.0M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 2.42%
+7.6% YoY +1.3% QoQ
+1.10% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 5.6% in tier
Net Interest Margin ? 4.87%
+6.8% YoY +2.8% QoQ
+0.88% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 10.5% in tier
Efficiency Ratio ? 47.62%
-6.2% YoY +1.0% QoQ
-16.86% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 12.3% in tier
Delinquency Rate ? 0.76%
+13.7% YoY +7.8% QoQ
-0.16% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 91.59%
+1.1% YoY +1.7% QoQ
+13.63% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 16.47%
-2.4% YoY +0.2% QoQ
-5.56% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.61%
+3.7% YoY -13.7% QoQ
-0.06% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 13.01%
+1.3% YoY +3.9% QoQ
-2.90% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.31%
+5.5% YoY +119.7% QoQ
-0.26% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
74%

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 16.5%
-0.4pp YoY
0.0pp QoQ
 -5.7pp 22.1% 20.9% 22.2% 29%
Brokered Deposits 0.6%
-1.4pp YoY
-0.1pp QoQ
 -7.2pp 7.9% 7.4% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 10.5%
-1.2pp YoY
-0.3pp QoQ
 -1.1pp 11.6% 12.3% 12.5% 56%
CRE 19.9%
+0.6pp YoY
-1.7pp QoQ
 -19.7pp 39.5% 36.8% 41.4% 18%
1-4 Family 37.6%
+0.7pp YoY
+1.1pp QoQ
 +5.0pp 32.6% 31.9% 31.3% 66%
Consumer 7.0%
-0.5pp YoY
-0.1pp QoQ
 +2.9pp 4.1% 4.1% 5.0% 85%

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 13.0%
+0.2pp YoY
+0.5pp QoQ
 +0.8pp 12.2% 11.6% 12.6% 75%
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 85
-3 (-3.4%) YoY
+4 (+4.9%) QoQ
 +26 58 162 482 80%
Assets per Employee ($) $6.0M
+6.1% YoY
-4.8% QoQ
 -$1.5M $7.5M $8.0M $8.8M 34%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.4% 52%
Nonaccrual 0.7%
+0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 60%
Allowance Coverage 2.02x
-4.0% YoY
-2.8% QoQ
 -22.13x 24.15x 10.47x 20.23x 48%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.3% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 19.6%
+0.6pp YoY
-0.3pp QoQ
 +7.4pp 12.2% 14.3% 11.6% 87%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 64%
Net Income ($, YTD) $6.2M
+12.7% YoY
— QoQ
 +$3.7M $2.6M $11.3M $40.4M 93%

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)

Profitability Leader

growth
#196 of 661 • Top 29.5% in tier

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

Why this signature
Return on Assets: 2.42%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#82 of 936 • Bottom 8.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#103 of 691 • Bottom 14.8% 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: 91.59%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#453 of 1256 • Bottom 36.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.76%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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)

150
Return on Assets
profitability
Value: 2.42%
Peer Median: 1.32%
#150 of 2643 Top 5.6% in $100M-$1B
279
Net Interest Margin
profitability
Value: 4.87%
Peer Median: 3.99%
#279 of 2643 Top 10.5% in $100M-$1B
326
Efficiency Ratio
profitability
Value: 47.62%
Peer Median: 64.48%
#326 of 2643 Top 12.3% in $100M-$1B
541
Total Loans
size
Value: $401.82M
Peer Median: $258.35M
#541 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (1 metrics)

2035
Loan-to-Deposit Ratio
liquidity
Value: 91.59%
Peer Median: 77.95%
#2035 of 2643 Bottom 23.0% in $100M-$1B
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