State Bank of Missouri: how it compares with its peers
Against 81 MO banks with half to twice its assets, State Bank of Missouri's strongest measure in Q2 2026 is efficiency ratio (57.22% vs. a 62.22% peer median). Its weakest relative measure is net interest margin (3.83% vs. 4.02%).
| Measure | State Bank of Missouri | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.24% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 4.02% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.22% | 62.22% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.0M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.11% | 78.61% | Context |
What it means for lending operations
Its efficiency ratio of 57.22% is better than the 62.22% 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
- Preferred Bank Rothville, MO · $134M
- County Bank Brunswick, MO · $134M
- Community Bank of Pleasant Hill Pleasant Hill, MO · $133M
- Chillicothe State Bank Chillicothe, MO · $135M
- Community State Bank Shelbina, MO · $133M
- Home Savings and Loan Association of Carroll County, F.A. Norborne, MO · $131M
Questions about State Bank of Missouri
How big is State Bank of Missouri?
State Bank of Missouri, established in 1884, is headquartered in Concordia, MO. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is State Bank of Missouri's return on assets?
1.32% annualized in Q2 2026, against a 1.24% median for 81 MO banks with half to twice its assets, ahead of 53% of them.
What is State Bank of Missouri's efficiency ratio?
57.22% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 62.22%, and lower is better.
Is State Bank of Missouri growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits shrank 6.4%.
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.