Belgrade State Bank: how it compares with its peers
Against 70 MO banks with half to twice its assets, Belgrade State Bank's strongest measure in Q2 2026 is net interest margin (4.30% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.8M).
| Measure | Belgrade State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.57% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.30% | 4.15% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.14% | 57.04% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.8M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.33% | 88.19% | Context |
What it means for lending operations
Its efficiency ratio of 55.14% is better than the 57.04% 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
- First State Bank of St. Charles, Missouri St. Charles, MO · $535M
- Farmers Bank of Northern Missouri Unionville, MO · $567M
- Table Rock Community Bank Kimberling City, MO · $569M
- United Bank of Union Union, MO · $578M
- Connections Bank Platte City, MO · $517M
- The Callaway Bank Fulton, MO · $512M
Questions about Belgrade State Bank
How big is Belgrade State Bank?
Belgrade State Bank, established in 1906, is headquartered in Belgrade, MO. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Belgrade State Bank's return on assets?
1.58% annualized in Q2 2026, against a 1.57% median for 70 MO banks with half to twice its assets, ahead of 51% of them.
What is Belgrade State Bank's efficiency ratio?
55.14% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 57.04%, and lower is better.
Is Belgrade State Bank growing its loans?
Net loans grew 8.9% over the year to Q2 2026, while deposits grew 7.0%.
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.