The Bank of Missouri: how it compares with its peers
Against 12 MO banks with half to twice its assets, The Bank of Missouri's strongest measure in Q2 2026 is net interest margin (3.37% vs. a 3.65% peer median). Its weakest relative measure is efficiency ratio (74.52% vs. 57.36%).
| Measure | The Bank of Missouri | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.29% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.65% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.52% | 57.36% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.4M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.23% | 97.08% | Context |
What it means for lending operations
Its efficiency ratio of 74.52% is above the 57.36% 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 State Community Bank Farmington, MO · $4.51B
- Oakstar Bank Springfield, MO · $3.29B
- Southern Bank Poplar Bluff, MO · $5.19B
- Academy Bank, National Association Kansas City, MO · $3.23B
- North American Savings Bank, F.S.B. Grandview, MO · $3.20B
- Midwest BankCentre Lemay, MO · $3.07B
Questions about The Bank of Missouri
How big is The Bank of Missouri?
The Bank of Missouri, established in 1891, is headquartered in Perryville, MO. It reported $4.23B in total assets in its Q2 2026 FDIC call report and operates 32 offices.
What is The Bank of Missouri's return on assets?
0.93% annualized in Q2 2026, against a 1.29% median for 12 MO banks with half to twice its assets, ahead of 17% of them.
What is The Bank of Missouri's efficiency ratio?
74.52% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 57.36%, and lower is better.
Is The Bank of Missouri growing its loans?
Net loans grew 48.5% over the year to Q2 2026, while deposits grew 41.8%.
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.