Community State Bank of Missouri: how it compares with its peers
Against 79 MO banks with half to twice its assets, Community State Bank of Missouri's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.63% vs. 4.16%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.48% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 4.16% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.65% | 58.19% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.4M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.22% | 86.39% | Context |
What it means for lending operations
Its efficiency ratio of 53.65% is better than the 58.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- O'Bannon Banking Company Buffalo, MO · $333M
- Ozark Bank Ozark, MO · $341M
- Midwest Independent BankersBank Jefferson City, MO · $341M
- Exchange Bank Co. Kahoka, MO · $342M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Community Bank of Raymore Raymore, MO · $347M
Questions about Community State Bank of Missouri
How big is Community State Bank of Missouri?
Community State Bank of Missouri, established in 1887, is headquartered in Bowling Green, MO. It reported $334M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Community State Bank of Missouri's return on assets?
1.74% annualized in Q2 2026, against a 1.48% median for 79 MO banks with half to twice its assets, ahead of 57% of them.
What is Community State Bank of Missouri's efficiency ratio?
53.65% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 58.19%, and lower is better.
Is Community State Bank of Missouri growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits grew 3.5%.
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.