Regional 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: 96.43 percentage points higher than in Q1 2026, at 1438.64%. Among 192 Missouri banks, Regional Missouri Bank sits 13th from the top on return on assets, 2.58% as of Q2 2026. Regional Missouri Bank's return on assets of 2.58% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.33 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 | 11.61% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 10.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.50% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 1438.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.58% |
| Return on equity | 23.32% |
| Net interest margin | 4.51% |
| Efficiency ratio | 48.85% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.49% |
| Core deposits to total deposits | 92.01% |
| Brokered deposits to total deposits | 2.08% |
| Deposits to assets | 83.82% |
| Securities to assets | 12.34% |
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 | 10.65% | 1.58% | 3.53% | 0.43% | 0.00% |
| Q4 2023 | 10.97% | 1.15% | 3.36% | 0.42% | -0.00% |
| Q1 2024 | 10.78% | 1.35% | 3.44% | 0.11% | -0.01% |
| Q2 2024 | 11.10% | 1.48% | 3.68% | 0.04% | 0.00% |
| Q3 2024 | 11.03% | 1.59% | 3.75% | 0.08% | 0.01% |
| Q4 2024 | 10.85% | 2.28% | 3.64% | 0.07% | 0.00% |
| Q1 2025 | 10.70% | 1.60% | 3.64% | 0.09% | 0.01% |
| Q2 2025 | 10.81% | 1.59% | 3.89% | 0.04% | 0.00% |
| Q3 2025 | 11.27% | 1.78% | 4.05% | 0.03% | 0.00% |
| Q4 2025 | 11.06% | 1.33% | 4.36% | 0.06% | -0.00% |
| Q1 2026 | 11.16% | 1.93% | 4.30% | 0.08% | 0.00% |
| Q2 2026 | 11.61% | 2.58% | 4.51% | 0.07% | 0.00% |
Regional Missouri Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Regional 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 Regional Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18385) · FFIEC NIC profile (RSSD 579140)