OMB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks OMB Bank of Springfield, MO against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.40% | 1.34% | +0.06% | 59th above |
| ROAE | 15.53% | 12.34% | +3.19% | 73rd above |
| Net Interest Margin | 3.59% | 3.83% | -0.24% | 40th below |
| Efficiency Ratio | 46.17% | 58.97% | -12.80% | 84th top |
| PPNR / Avg Assets | 2.15% | — | — | 75th top |
| Yield on Earning Assets | 6.64% | 5.71% | +0.93% | 91st top |
| Cost of Funds | 3.31% | 2.02% | +1.29% | 4th bottom |
| Net Interest Spread | 3.05% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.87% | -0.04% | 33rd below |
| NPA / Total Assets | 0.78% | — | — | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 1.59% | — | — | 89th top |
| ACL / NPLs (Coverage) | 190.67% | — | — | 47th below |
| Texas Ratio | 6.34% | 5.48% | +0.86% | 30th below |
| Provision / NCO | 892.86% | — | — | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.88% | 14.99% | -5.11% | 1st bottom |
| Tier 1 Ratio | 9.88% | 15.02% | -5.14% | 1st bottom |
| Total Capital Ratio | 11.13% | — | — | 1st bottom |
| Leverage Ratio | 9.16% | 11.11% | -1.95% | 15th bottom |
| Equity / Assets | 8.82% | 11.02% | -2.20% | 18th bottom |
| TCE / Tangible Assets | 8.74% | — | — | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.63% | 86.99% | +12.64% | 18th bottom |
| Core Deposit Ratio | 80.72% | 85.57% | -4.85% | 22nd bottom |
| Uninsured Deposit Ratio | 20.70% | 33.19% | -12.49% | 82nd top |
| Wholesale Funding Ratio | 2.97% | — | — | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.88% | — | — | 90th top |
| Loan Growth (Y/Y) | 18.27% | — | — | 89th top |
| Deposit Growth (Y/Y) | 19.60% | — | — | 90th top |
See OMB Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock OMB 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 OMB 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 OMB Bank peer analysis.