MA Bank: how it compares with its peers
Against 75 MO banks with half to twice its assets, MA Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.39% vs. 4.18%).
| Measure | MA Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.58% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 4.18% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.51% | 57.08% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.5M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.81% | 86.66% | Context |
What it means for lending operations
Its efficiency ratio of 68.51% is above the 57.08% 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
- Bank of Franklin County Washington, MO · $419M
- Branson Bank Branson, MO · $414M
- Heritage Bank of the Ozarks Lebanon, MO · $424M
- Central Bank of Kansas City Kansas City, MO · $410M
- Pony Express Bank Braymer, MO · $399M
- Alliance Bank Cape Girardeau, MO · $391M
Questions about MA Bank
How big is MA Bank?
MA Bank, established in 1893, is headquartered in Macon, MO. It reported $417M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is MA Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.58% median for 75 MO banks with half to twice its assets, ahead of 16% of them.
What is MA Bank's efficiency ratio?
68.51% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is MA Bank growing its loans?
Net loans grew 15.4% over the year to Q2 2026, while deposits grew 7.3%.
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.