FMB Bank: how it compares with its peers
Against 17 MO banks with half to twice its assets, FMB Bank's strongest measure in Q2 2026 is net interest margin (3.48% vs. a 4.12% peer median). Its weakest relative measure is return on assets (0.22% vs. 1.08%).
| Measure | FMB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.22% | 1.08% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 4.12% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.24% | 59.90% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.5M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 31.93% | 72.57% | Context |
What it means for lending operations
Its efficiency ratio of 89.24% is above the 59.90% 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
- First Security Bank Union Star, MO · $62M
- Montrose Savings Bank Montrose, MO · $63M
- Community Bank of Memphis Memphis, MO · $64M
- America's Community Bank Blue Springs, MO · $64M
- The Bank of Houston Houston, MO · $67M
- Bank of Iberia Iberia, MO · $74M
Questions about FMB Bank
How big is FMB Bank?
FMB Bank, established in 1910, is headquartered in Wright City, MO. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is FMB Bank's return on assets?
0.22% annualized in Q2 2026, against a 1.08% median for 17 MO banks with half to twice its assets, ahead of 12% of them.
What is FMB Bank's efficiency ratio?
89.24% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is FMB Bank growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 5.8%.
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.