Goppert Financial Bank: how it compares with its peers
Against 79 MO banks with half to twice its assets, Goppert Financial Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $6.1M peer median). Its weakest relative measure is return on assets (1.30% vs. 1.47%).
| Measure | Goppert Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.47% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.14% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.19% | 59.54% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.1M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.52% | 85.54% | Context |
What it means for lending operations
Its efficiency ratio of 58.19% is better than the 59.54% 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
- Community First Banking Company West Plains, MO · $307M
- Putnam County State Bank Unionville, MO · $318M
- Century Bank of the Ozarks Gainesville, MO · $305M
- St. Johns Bank and Trust Company Saint Louis, MO · $297M
- O'Bannon Banking Company Buffalo, MO · $333M
- Community State Bank of Missouri Bowling Green, MO · $334M
Questions about Goppert Financial Bank
How big is Goppert Financial Bank?
Goppert Financial Bank, established in 1879, is headquartered in Lathrop, MO. It reported $312M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Goppert Financial Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.47% median for 79 MO banks with half to twice its assets, ahead of 34% of them.
What is Goppert Financial Bank's efficiency ratio?
58.19% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 59.54%, and lower is better.
Is Goppert Financial Bank growing its loans?
Net loans grew 17.3% 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.