Southwest Missouri Bank: how it compares with its peers
Against 44 MO banks with half to twice its assets, Southwest Missouri Bank's strongest measure in Q2 2026 is net interest margin (3.82% vs. a 4.21% peer median). Its weakest relative measure is efficiency ratio (69.12% vs. 54.24%).
| Measure | Southwest Missouri Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.63% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 4.21% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.12% | 54.24% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.7M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.72% | 91.69% | Context |
What it means for lending operations
Its efficiency ratio of 69.12% is above the 54.24% 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
- Montgomery Bank Sikeston, MO · $1.18B
- Wood & Huston Bank Marshall, MO · $1.23B
- Mid America Bank Jefferson City, MO · $1.18B
- Bank of Washington Washington, MO · $1.15B
- St. Louis Bank Saint Louis, MO · $1.11B
- Triad Bank Frontenac, MO · $1.11B
Questions about Southwest Missouri Bank
How big is Southwest Missouri Bank?
Southwest Missouri Bank, established in 1979, is headquartered in Carthage, MO. It reported $1.21B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Southwest Missouri Bank's return on assets?
1.03% annualized in Q2 2026, against a 1.63% median for 44 MO banks with half to twice its assets, ahead of 18% of them.
What is Southwest Missouri Bank's efficiency ratio?
69.12% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 54.24%, and lower is better.
Is Southwest Missouri Bank growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 4.5%.
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.