Chillicothe State Bank: how it compares with its peers
Against 82 MO banks with half to twice its assets, Chillicothe State Bank's strongest measure in Q2 2026 is net interest margin (4.03% vs. a 3.99% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.1M).
| Measure | Chillicothe State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.25% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.99% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.64% | 61.51% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.1M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.58% | 78.65% | Context |
What it means for lending operations
Its efficiency ratio of 62.64% is above the 61.51% 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
- Preferred Bank Rothville, MO · $134M
- State Bank of Missouri Concordia, MO · $134M
- County Bank Brunswick, MO · $134M
- Community Bank of Pleasant Hill Pleasant Hill, MO · $133M
- Community State Bank Shelbina, MO · $133M
- Home Savings and Loan Association of Carroll County, F.A. Norborne, MO · $131M
Questions about Chillicothe State Bank
How big is Chillicothe State Bank?
Chillicothe State Bank, established in 1937, is headquartered in Chillicothe, MO. It reported $135M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Chillicothe State Bank's return on assets?
1.24% annualized in Q2 2026, against a 1.25% median for 82 MO banks with half to twice its assets, ahead of 49% of them.
What is Chillicothe State Bank's efficiency ratio?
62.64% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 61.51%, and lower is better.
Is Chillicothe State Bank growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 1.1%.
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.