Wood & Huston Bank: how it compares with its peers
Against 44 MO banks with half to twice its assets, Wood & Huston Bank's strongest measure in Q2 2026 is return on assets (2.08% vs. a 1.61% peer median). Its weakest relative measure is net interest margin (3.86% vs. 4.21%).
| Measure | Wood & Huston Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.08% | 1.61% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 4.21% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.34% | 54.91% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.7M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.89% | 91.69% | Context |
What it means for lending operations
Its efficiency ratio of 49.34% is better than the 54.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Southwest Missouri Bank Carthage, MO · $1.21B
- Montgomery Bank Sikeston, MO · $1.18B
- Mid America Bank Jefferson City, MO · $1.18B
- HNB National Bank Hannibal, MO · $1.31B
- Bank of Washington Washington, MO · $1.15B
- Cass Commercial Bank Des Peres, MO · $1.33B
Questions about Wood & Huston Bank
How big is Wood & Huston Bank?
Wood & Huston Bank, established in 1874, is headquartered in Marshall, MO. It reported $1.23B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Wood & Huston Bank's return on assets?
2.08% annualized in Q2 2026, against a 1.61% median for 44 MO banks with half to twice its assets, ahead of 80% of them.
What is Wood & Huston Bank's efficiency ratio?
49.34% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 54.91%, and lower is better.
Is Wood & Huston Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.