Silex Banking Company: how it compares with its peers
Against 65 MO banks with half to twice its assets, Silex Banking Company's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $5.9M peer median). Its weakest relative measure is return on assets (1.05% vs. 1.24%).
| Measure | Silex Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.24% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 4.01% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.92% | 62.64% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $5.9M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.79% | 73.45% | Context |
What it means for lending operations
Its efficiency ratio of 66.92% is above the 62.64% 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
- Investors Community Bank Chillicothe, MO · $98M
- United Security Bank Fulton, MO · $97M
- West Plains Savings and Loan Association West Plains, MO · $101M
- Community Bank of Missouri Richmond, MO · $94M
- Flat Branch Bank Richmond, MO · $93M
Questions about Silex Banking Company
How big is Silex Banking Company?
Silex Banking Company, established in 1934, is headquartered in Silex, MO. It reported $98M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Silex Banking Company's return on assets?
1.05% annualized in Q2 2026, against a 1.24% median for 65 MO banks with half to twice its assets, ahead of 34% of them.
What is Silex Banking Company's efficiency ratio?
66.92% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 62.64%, and lower is better.
Is Silex Banking Company growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 4.3%.
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.