Bank 21: how it compares with its peers
Against 92 MO banks with half to twice its assets, Bank 21's strongest measure in Q2 2026 is return on assets (2.72% vs. a 1.34% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $6.1M).
| Measure | Bank 21 | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.72% | 1.34% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.24% | 4.04% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.71% | 59.90% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.56% | 79.46% | Context |
What it means for lending operations
Its efficiency ratio of 47.71% is better than the 59.90% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens-Farmers Bank of Cole Camp Cole Camp, MO · $207M
- Carroll County Trust Company of Carrollton, Missouri Carrollton, MO · $208M
- Adrian Bank Adrian, MO · $196M
- Bank Northwest Hamilton, MO · $210M
- The Corner Stone Bank South West City, MO · $211M
Questions about Bank 21
How big is Bank 21?
Bank 21, established in 1912, is headquartered in Carrollton, MO. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Bank 21's return on assets?
2.72% annualized in Q2 2026, against a 1.34% median for 92 MO banks with half to twice its assets, ahead of 96% of them.
What is Bank 21's efficiency ratio?
47.71% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is Bank 21 growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits grew 7.5%.
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.