Bank of New Madrid: 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 Q3 2026 was in Loan-to-deposit ratio: 3.84 percentage points higher than in Q2 2026, at 71.05%. Bank of New Madrid ranks 53rd of 192 Missouri banks on return on assets, in the upper half at 1.90% (Q3 2026). Bank of New Madrid's return on assets of 1.90% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.64 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.55% |
| Equity capital to assets | 12.97% |
| Tangible equity to tangible assets | 12.97% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 1512.07% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 14.03% |
| Net interest margin | 4.65% |
| Efficiency ratio | 54.85% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 71.05% |
| Core deposits to total deposits | 82.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.60% |
| Securities to assets | 35.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 13.61% | 1.28% | 3.85% | 0.00% | 0.01% |
| Q1 2024 | 12.05% | 1.47% | 3.76% | 0.00% | -0.01% |
| Q2 2024 | 12.40% | 1.54% | 3.96% | 0.00% | 0.01% |
| Q3 2024 | 13.23% | 1.56% | 4.26% | 0.00% | 0.10% |
| Q4 2024 | 13.61% | 1.57% | 4.24% | 0.22% | -0.01% |
| Q1 2025 | 12.44% | 1.64% | 4.09% | 0.22% | -0.01% |
| Q2 2025 | 12.96% | 1.89% | 4.39% | 0.08% | 0.00% |
| Q3 2025 | 13.82% | 1.75% | 4.51% | 0.00% | 0.02% |
| Q4 2025 | 14.20% | 1.72% | 4.53% | 0.00% | -0.01% |
| Q1 2026 | 13.65% | 1.83% | 4.36% | 0.00% | 0.05% |
| Q2 2026 | 14.11% | 1.93% | 4.62% | 0.00% | 0.05% |
| Q3 2026 | 14.55% | 1.90% | 4.65% | 0.08% | 0.01% |
Bank of New Madrid vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of New Madrid, 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 Bank of New Madrid profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14701) · FFIEC NIC profile (RSSD 688556)