Grand Missouri Bank: 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: 17.88 percentage points higher than in Q1 2026, at 531.11%. Grand Missouri Bank ranks 147th of 192 Missouri banks on return on assets, in the lower half at 1.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Grand Missouri Bank sits 0.22 points lower, at 1.03% (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 | 13.72% |
| Equity capital to assets | 14.15% |
| Tangible equity to tangible assets | 12.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 1.30% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 531.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 7.10% |
| Net interest margin | 4.75% |
| Efficiency ratio | 62.66% |
| Yield on earning assets | 7.15% |
| Cost of funds | 2.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.12% |
| Core deposits to total deposits | 86.71% |
| Brokered deposits to total deposits | 4.52% |
| Deposits to assets | 84.04% |
| Securities to assets | 2.42% |
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 | 22.88% | 11.80% | 5.23% | 0.05% | 0.00% |
| Q4 2023 | 20.46% | -2.54% | 4.89% | 0.07% | 0.00% |
| Q1 2024 | 17.16% | 0.14% | 3.62% | 0.07% | 0.00% |
| Q2 2024 | 16.83% | 0.08% | 3.96% | 0.04% | 0.00% |
| Q3 2024 | 16.37% | 0.24% | 3.96% | 0.00% | 0.00% |
| Q4 2024 | 15.94% | 0.41% | 4.00% | 0.18% | 0.21% |
| Q1 2025 | 15.47% | 0.68% | 3.83% | 0.17% | 0.00% |
| Q2 2025 | 13.50% | -2.97% | 2.91% | 0.17% | -0.00% |
| Q3 2025 | 14.27% | 1.04% | 4.78% | 0.13% | 0.02% |
| Q4 2025 | 13.98% | 0.69% | 5.06% | 0.26% | -0.00% |
| Q1 2026 | 14.12% | 1.00% | 4.65% | 0.23% | 0.08% |
| Q2 2026 | 13.72% | 1.03% | 4.75% | 0.22% | -0.03% |
Grand Missouri Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Missouri Bank, 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 Grand Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11003) · FFIEC NIC profile (RSSD 365950)