St. Clair County State Bank: how it compares with its peers
Against 95 MO banks with half to twice its assets, St. Clair County State Bank's strongest measure in Q2 2026 is efficiency ratio (41.49% vs. a 59.85% peer median). Its weakest relative measure is net interest margin (4.34% vs. 4.03%).
| Measure | St. Clair County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.34% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.03% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.49% | 59.85% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.2M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.06% | 79.49% | Context |
What it means for lending operations
Its efficiency ratio of 41.49% is better than the 59.85% 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
- Citizens Bank of the Midwest Rolla, MO · $238M
- TBO Bank Orrick, MO · $225M
- The Seymour Bank Seymour, MO · $225M
- Bank of Grandin Grandin, MO · $241M
- FCNB Bank Steelville, MO · $220M
- Bank of Weston Weston, MO · $246M
Questions about St. Clair County State Bank
How big is St. Clair County State Bank?
St. Clair County State Bank, established in 1896, is headquartered in Osceola, MO. It reported $232M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is St. Clair County State Bank's return on assets?
1.85% annualized in Q2 2026, against a 1.34% median for 95 MO banks with half to twice its assets, ahead of 74% of them.
What is St. Clair County State Bank's efficiency ratio?
41.49% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 59.85%, and lower is better.
Is St. Clair County State Bank growing its loans?
Net loans grew 15.2% over the year to Q2 2026, while deposits grew 5.9%.
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.