Four States Bank: how it compares with its peers
Against 84 MO banks with half to twice its assets, Four States Bank's strongest measure in Q2 2026 is net interest margin (4.21% vs. a 3.96% peer median). Its weakest relative measure is return on assets (0.03% vs. 1.24%).
| Measure | Four States Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.03% | 1.24% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.96% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.40% | 61.82% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.1M | Bottom third Ahead of 21% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.46% | 78.65% | Context |
What it means for lending operations
Its efficiency ratio of 84.40% 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
- Citizens Community Bank Pilot Grove, MO · $143M
- Bank of Crocker Waynesville, MO · $143M
- Community Bank of El Dorado Springs El Dorado Springs, MO · $144M
- Alton Bank Alton, MO · $145M
- Jonesburg State Bank Jonesburg, MO · $146M
- Independent Farmers Bank Maysville, MO · $147M
Questions about Four States Bank
How big is Four States Bank?
Four States Bank, established in 2024, is headquartered in Carthage, MO. It reported $142M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Four States Bank's return on assets?
0.03% annualized in Q2 2026, against a 1.24% median for 84 MO banks with half to twice its assets, ahead of 4% of them.
What is Four States Bank's efficiency ratio?
84.40% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 61.82%, and lower is better.
Is Four States Bank growing its loans?
Net loans grew 116.9% over the year to Q2 2026, while deposits grew 127.8%.
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.