Alton Bank: how it compares with its peers
Against 84 MO banks with half to twice its assets, Alton Bank's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.45% vs. 3.99%).
| Measure | Alton Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.24% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.99% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.08% | 61.82% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.0M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.59% | 78.82% | Context |
What it means for lending operations
Its efficiency ratio of 71.08% 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
- Jonesburg State Bank Jonesburg, MO · $146M
- Community Bank of El Dorado Springs El Dorado Springs, MO · $144M
- Independent Farmers Bank Maysville, MO · $147M
- Bank of Crocker Waynesville, MO · $143M
- Security Bank of Southwest Missouri Cassville, MO · $147M
- Bank of Salem Salem, MO · $147M
Questions about Alton Bank
How big is Alton Bank?
Alton Bank, established in 1924, is headquartered in Alton, MO. It reported $145M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Alton Bank's return on assets?
0.99% annualized in Q2 2026, against a 1.24% median for 84 MO banks with half to twice its assets, ahead of 29% of them.
What is Alton Bank's efficiency ratio?
71.08% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.82%, and lower is better.
Is Alton Bank growing its loans?
Net loans grew 18.0% over the year to Q2 2026, while deposits grew 14.5%.
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.