Northeast Missouri State Bank: Peer Group Comparison
BankRegReports is independent of Northeast Missouri State Bank and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northeast Missouri State Bank of Kirksville, MO against its peer group of 2660 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.54% | 1.28% | +0.26% | 65th better half |
| ROAE | 15.91% | 12.50% | +3.41% | 70th better half |
| Net Interest Margin | 2.99% | 3.95% | -0.96% | 9th worst quarter |
| Efficiency Ratio | 46.95% | 61.08% | -14.13% | 13th best quarter |
| PPNR / Avg Assets | 1.54% | 1.60% | -0.06% | 46th worse half |
| Yield on Earning Assets | 4.65% | 5.60% | -0.95% | 12th |
| Cost of Funds | 1.82% | 1.80% | +0.02% | 52nd worse half |
| Net Interest Spread | 2.25% | 3.33% | -1.08% | 7th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.42% | -0.40% | 16th best quarter |
| NPA / Total Assets | 0.02% | 0.32% | -0.30% | 16th best quarter |
| NCO / Avg Loans | 0.04% | 0.00% | +0.04% | 73rd worse half |
| ACL / Total Loans | 1.19% | 1.19% | +0.00% | 50th |
| ACL / NPLs (Coverage) | 5692.86% | 219.62% | +5473.24% | — |
| Texas Ratio | 0.21% | 2.65% | -2.44% | 17th best quarter |
| Provision / NCO | 0.00% | 146.83% | -146.83% | 14th |
| CRE / Total Capital | 6.38% | 119.44% | -113.06% | 4th best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 21.24% | 15.12% | +6.12% | 81st best quarter |
| Tier 1 Ratio | 21.24% | 15.13% | +6.11% | 80th best quarter |
| Total Capital Ratio | 22.18% | 16.26% | +5.92% | 80th best quarter |
| Leverage Ratio | 11.11% | 10.99% | +0.12% | 52nd better half |
| Equity / Assets | 9.78% | 10.39% | -0.61% | 40th worse half |
| TCE / Tangible Assets | 8.57% | 10.10% | -1.53% | 23rd worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 45.38% | 80.60% | -35.22% | 6th |
| Core Deposit Ratio | 88.00% | 89.07% | -1.07% | 44th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.13% | 4.51% | +4.62% | 79th |
| Loan Growth (Y/Y) | 4.40% | 5.47% | -1.07% | 43rd |
| Deposit Growth (Y/Y) | 8.16% | 4.05% | +4.11% | 76th |
See Northeast Missouri State Bank's peers by name
The 2660 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northeast Missouri State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Northeast Missouri State Bank peer analysis.