O'Bannon Banking Company: how it compares with its peers
Against 78 MO banks with half to twice its assets, O'Bannon Banking Company's strongest measure in Q2 2026 is efficiency ratio (59.22% vs. a 57.93% peer median). Its weakest relative measure is return on assets (1.16% vs. 1.51%).
| Measure | O'Bannon Banking Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.51% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 4.17% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.22% | 57.93% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.4M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.55% | 86.52% | Context |
What it means for lending operations
Its efficiency ratio of 59.22% is above the 57.93% 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
- Community State Bank of Missouri Bowling Green, MO · $334M
- Ozark Bank Ozark, MO · $341M
- Midwest Independent BankersBank Jefferson City, MO · $341M
- Exchange Bank Co. Kahoka, MO · $342M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Community Bank of Raymore Raymore, MO · $347M
Questions about O'Bannon Banking Company
How big is O'Bannon Banking Company?
O'Bannon Banking Company, established in 1905, is headquartered in Buffalo, MO. It reported $333M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is O'Bannon Banking Company's return on assets?
1.16% annualized in Q2 2026, against a 1.51% median for 78 MO banks with half to twice its assets, ahead of 27% of them.
What is O'Bannon Banking Company's efficiency ratio?
59.22% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 57.93%, and lower is better.
Is O'Bannon Banking Company growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits grew 7.1%.
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.