The Callaway Bank: how it compares with its peers
Against 73 MO banks with half to twice its assets, The Callaway Bank's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.8M).
| Measure | The Callaway Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.62% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 4.15% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.95% | 56.99% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.8M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.84% | 87.78% | Context |
What it means for lending operations
Its efficiency ratio of 60.95% is above the 56.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Advance Advance, MO · $510M
- Connections Bank Platte City, MO · $517M
- UNICO Bank Mineral Point, MO · $503M
- People's Bank of Seneca Seneca, MO · $496M
- First State Bank of St. Charles, Missouri St. Charles, MO · $535M
- F & C Bank Holden, MO · $481M
Questions about The Callaway Bank
How big is The Callaway Bank?
The Callaway Bank, established in 1857, is headquartered in Fulton, MO. It reported $512M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Callaway Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.62% median for 73 MO banks with half to twice its assets, ahead of 36% of them.
What is The Callaway Bank's efficiency ratio?
60.95% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 56.99%, and lower is better.
Is The Callaway Bank growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 6.5%.
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.