1st Advantage Bank: how it compares with its peers
Against 96 MO banks with half to twice its assets, 1st Advantage Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $6.1M peer median). Its weakest relative measure is return on assets (1.05% vs. 1.35%).
| Measure | 1st Advantage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.35% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 4.04% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.88% | 59.90% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.1M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.94% | 80.00% | Context |
What it means for lending operations
Its efficiency ratio of 64.88% is above the 59.90% 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
- The Corner Stone Bank South West City, MO · $211M
- Bank Northwest Hamilton, MO · $210M
- Carroll County Trust Company of Carrollton, Missouri Carrollton, MO · $208M
- The Citizens-Farmers Bank of Cole Camp Cole Camp, MO · $207M
- FCNB Bank Steelville, MO · $220M
Questions about 1st Advantage Bank
How big is 1st Advantage Bank?
1st Advantage Bank, established in 2005, is headquartered in Saint Peters, MO. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is 1st Advantage Bank's return on assets?
1.05% annualized in Q2 2026, against a 1.35% median for 96 MO banks with half to twice its assets, ahead of 28% of them.
What is 1st Advantage Bank's efficiency ratio?
64.88% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is 1st Advantage Bank growing its loans?
Net loans shrank 6.0% over the year to Q2 2026, while deposits grew 11.7%.
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.