The Bank of Missouri: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 382.02 percentage points lower than in Q1 2026, at 87.23%. Within Missouri, The Bank of Missouri is 153rd of 192 on return on assets, 1.00% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Bank of Missouri sits 0.28 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.30% |
| Tier 1 risk-based capital ratio | 10.30% |
| Total risk-based capital ratio | 11.23% |
| Tier 1 leverage ratio | 9.15% |
| Equity capital to assets | 11.73% |
| Tangible equity to tangible assets | 8.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.73% |
| Non-performing assets ratio | 1.31% |
| Net charge-off ratio | 1.68% |
| Texas ratio | 13.76% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 87.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 8.56% |
| Net interest margin | 3.65% |
| Efficiency ratio | 71.36% |
| Yield on earning assets | 5.84% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.81% |
| Core deposits to total deposits | 78.55% |
| Brokered deposits to total deposits | 13.75% |
| Deposits to assets | 84.80% |
| Securities to assets | 13.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.61% | 13.61% | 14.49% | 10.66% | 0.78% |
| Q4 2023 | 13.59% | 13.59% | 14.49% | 10.63% | 0.51% |
| Q1 2024 | 13.19% | 13.19% | 14.11% | 10.29% | 0.48% |
| Q2 2024 | 12.53% | 12.53% | 13.44% | 9.77% | 0.72% |
| Q3 2024 | 12.50% | 12.50% | 13.41% | 9.53% | 0.48% |
| Q4 2024 | 12.43% | 12.43% | 13.33% | 9.52% | 0.64% |
| Q1 2025 | 12.27% | 12.27% | 13.19% | 9.58% | 0.57% |
| Q2 2025 | 12.94% | 12.94% | 13.83% | 10.59% | 4.58% |
| Q3 2025 | 13.33% | 13.33% | 14.22% | 10.65% | 0.95% |
| Q4 2025 | 13.45% | 13.45% | 14.35% | 10.58% | 0.55% |
| Q1 2026 | 10.36% | 10.36% | 10.95% | 10.00% | 0.94% |
| Q2 2026 | 10.30% | 10.30% | 11.23% | 9.15% | 1.00% |
The Bank of Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Missouri, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Missouri profile, peer group comparison, or how this data updates.
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