Bank of Crocker: how it compares with its peers
Against 84 MO banks with half to twice its assets, Bank of Crocker's strongest measure in Q2 2026 is return on assets (0.81% vs. a 1.24% peer median). Its weakest relative measure is efficiency ratio (76.10% vs. 61.82%).
| Measure | Bank of Crocker | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 1.24% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 3.99% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.10% | 61.82% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.1M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 33.58% | 78.82% | Context |
What it means for lending operations
Its efficiency ratio of 76.10% is above the 61.82% 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
- Community Bank of El Dorado Springs El Dorado Springs, MO · $144M
- Citizens Community Bank Pilot Grove, MO · $143M
- Four States Bank Carthage, MO · $142M
- Alton Bank Alton, MO · $145M
- Jonesburg State Bank Jonesburg, MO · $146M
- Independent Farmers Bank Maysville, MO · $147M
Questions about Bank of Crocker
How big is Bank of Crocker?
Bank of Crocker, established in 1911, is headquartered in Waynesville, MO. It reported $143M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Crocker's return on assets?
0.81% annualized in Q2 2026, against a 1.24% median for 84 MO banks with half to twice its assets, ahead of 19% of them.
What is Bank of Crocker's efficiency ratio?
76.10% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 61.82%, and lower is better.
Is Bank of Crocker growing its loans?
Net loans shrank 10.8% over the year to Q2 2026, while deposits shrank 0.5%.
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.