The Bank of Old Monroe: 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: 59383.68 percentage points higher than in Q1 2026, at 61163.16%. The Bank of Old Monroe ranks 98th of 192 Missouri banks on return on assets, in the lower half at 1.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank of Old Monroe sits 0.16 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.55% |
| Equity capital to assets | 7.08% |
| Tangible equity to tangible assets | 7.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.10% |
| Texas ratio | 0.02% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 61163.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 21.76% |
| Net interest margin | 3.51% |
| Efficiency ratio | 42.04% |
| Yield on earning assets | 5.56% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.00% |
| Core deposits to total deposits | 62.26% |
| Brokered deposits to total deposits | 28.49% |
| Deposits to assets | 92.16% |
| Securities to assets | 28.65% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 11.71% | 2.29% | 3.67% | 0.01% | 0.01% |
| Q4 2023 | 11.46% | 2.05% | 3.51% | 0.00% | 0.02% |
| Q1 2024 | 11.31% | 2.04% | 3.46% | 0.00% | 0.00% |
| Q2 2024 | 10.79% | 1.92% | 3.47% | 0.01% | 0.00% |
| Q3 2024 | 10.72% | 2.18% | 3.76% | 0.00% | 0.02% |
| Q4 2024 | 10.40% | 1.89% | 3.52% | 0.00% | 0.04% |
| Q1 2025 | 10.57% | 2.05% | 3.47% | 0.00% | -0.00% |
| Q2 2025 | 10.79% | 2.16% | 3.70% | 0.00% | 0.01% |
| Q3 2025 | 10.64% | 2.02% | 3.76% | 0.00% | -0.00% |
| Q4 2025 | 10.79% | 1.86% | 3.89% | 0.05% | 0.18% |
| Q1 2026 | 10.68% | 1.68% | 3.57% | 0.08% | 0.01% |
| Q2 2026 | 10.55% | 1.42% | 3.51% | 0.00% | -0.10% |
The Bank of Old Monroe vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Old Monroe, 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 Old Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1655) · FFIEC NIC profile (RSSD 880855)