Neighbors Bank: how it compares with its peers
Against 74 MO banks with half to twice its assets, Neighbors Bank's strongest measure in Q2 2026 is efficiency ratio (107.44% vs. a 62.63% peer median). Its weakest relative measure is assets per employee ($341K vs. $5.9M).
| Measure | Neighbors Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.84% | 1.22% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.53% | 4.01% | Bottom third Ahead of 1% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 107.44% | 62.63% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $341K | $5.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.04% | 74.27% | Context |
What it means for lending operations
Its efficiency ratio of 107.44% is above the 62.63% 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 New Madrid New Madrid, MO · $117M
- Bank of Brookfield - Purdin, National Association Brookfield, MO · $117M
- Metz Banking Company Nevada, MO · $117M
- TPNB Bank Paris, MO · $112M
- The Hamilton Bank Hamilton, MO · $120M
- The Bank of Grain Valley Grain Valley, MO · $111M
Questions about Neighbors Bank
How big is Neighbors Bank?
Neighbors Bank, established in 1945, is headquartered in Clarence, MO. It reported $116M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Neighbors Bank's return on assets?
-3.84% annualized in Q2 2026, against a 1.22% median for 74 MO banks with half to twice its assets, ahead of 1% of them.
What is Neighbors Bank's efficiency ratio?
107.44% in Q2 2026: it spent about 107 cents in noninterest expense for each dollar of revenue. The peer median is 62.63%, and lower is better.
Is Neighbors Bank growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 10.0%.
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.