State Bank of Southwest Missouri: how it compares with its peers
Against 95 MO banks with half to twice its assets, State Bank of Southwest Missouri's strongest measure in Q2 2026 is net interest margin (4.22% vs. a 4.02% peer median). Its weakest relative measure is efficiency ratio (73.52% vs. 59.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.33% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.22% | 4.02% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.52% | 59.95% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $6.2M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.69% | 79.35% | Context |
What it means for lending operations
Its efficiency ratio of 73.52% is above the 59.95% 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
- Citizens' Bank of Charleston Charleston, MO · $185M
- F&M Bank and Trust Company Hannibal, MO · $182M
- Citizens Bank Butler, MO · $188M
- Progressive Ozark Bank Salem, MO · $191M
- NEW FRONTIER BANK Saint Charles, MO · $176M
- Adrian Bank Adrian, MO · $196M
Questions about State Bank of Southwest Missouri
How big is State Bank of Southwest Missouri?
State Bank of Southwest Missouri, established in 1985, is headquartered in Springfield, MO. It reported $184M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State Bank of Southwest Missouri's return on assets?
1.17% annualized in Q2 2026, against a 1.33% median for 95 MO banks with half to twice its assets, ahead of 39% of them.
What is State Bank of Southwest Missouri's efficiency ratio?
73.52% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is State Bank of Southwest Missouri growing its loans?
Net loans grew 12.5% over the year to Q2 2026, while deposits grew 11.5%.
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.