Commercial Trust Company of Fayette: how it compares with its peers
Against 88 MO banks with half to twice its assets, Commercial Trust Company of Fayette's strongest measure in Q2 2026 is return on assets (1.47% vs. a 1.25% peer median). Its weakest relative measure is efficiency ratio (69.73% vs. 60.79%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.25% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.99% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.73% | 60.79% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.2M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.37% | 79.21% | Context |
What it means for lending operations
Its efficiency ratio of 69.73% is above the 60.79% 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
- Northeast Missouri State Bank Kirksville, MO · $164M
- Security Bank of Pulaski County Saint Robert, MO · $163M
- Edward Jones Trust Company Saint Louis, MO · $161M
- Bank of Monticello Monticello, MO · $159M
- Security Bank of the Ozarks Eminence, MO · $155M
- NEW FRONTIER BANK Saint Charles, MO · $176M
Questions about Commercial Trust Company of Fayette
How big is Commercial Trust Company of Fayette?
Commercial Trust Company of Fayette, established in 1903, is headquartered in Fayette, MO. It reported $164M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Commercial Trust Company of Fayette's return on assets?
1.47% annualized in Q2 2026, against a 1.25% median for 88 MO banks with half to twice its assets, ahead of 58% of them.
What is Commercial Trust Company of Fayette's efficiency ratio?
69.73% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 60.79%, and lower is better.
Is Commercial Trust Company of Fayette growing its loans?
Net loans grew 2.8% over the year to Q2 2026, while deposits grew 5.7%.
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.