Neighbors 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.
Loan-to-deposit ratio climbed 7.08 percentage points in Q2 2026, from 102.28% to 109.36%. It was the largest change from Q1 2026 among the key lines here. Neighbors Bank has the 2nd lowest return on assets of the 192 banks headquartered in Missouri, at -3.77% as of Q2 2026. Neighbors Bank's return on assets of -3.77% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 5.03 points (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 | 11.06% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 9.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 1.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.10% |
| Allowance for credit losses to loans | 0.30% |
| Reserve coverage of non-performing loans | 21.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.77% |
| Return on equity | -35.02% |
| Net interest margin | 2.92% |
| Efficiency ratio | 106.47% |
| Yield on earning assets | 5.54% |
| Cost of funds | 2.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.36% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.02% |
| Securities to assets | 7.89% |
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 | 17.28% | -5.37% | 2.66% | 0.17% | 0.00% |
| Q4 2023 | 16.52% | -8.78% | 3.17% | 0.56% | 0.04% |
| Q1 2024 | 17.32% | -0.59% | 2.57% | 0.94% | 0.00% |
| Q2 2024 | 17.31% | 3.91% | 2.96% | 0.72% | 0.00% |
| Q3 2024 | 17.57% | 6.66% | 3.29% | 0.88% | 0.00% |
| Q4 2024 | 17.38% | 5.60% | 3.00% | 0.86% | 0.07% |
| Q1 2025 | 18.90% | 1.76% | 3.36% | 1.07% | -0.04% |
| Q2 2025 | 16.42% | 3.32% | 2.93% | 1.20% | 0.07% |
| Q3 2025 | 15.38% | -0.66% | 3.13% | 1.43% | 0.00% |
| Q4 2025 | 12.76% | -6.39% | 2.86% | 1.61% | 0.00% |
| Q1 2026 | 12.06% | -4.20% | 2.47% | 1.32% | 0.04% |
| Q2 2026 | 11.06% | -3.77% | 2.92% | 1.38% | 0.00% |
Neighbors Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighbors 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 Neighbors Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16247) · FFIEC NIC profile (RSSD 503640)