Southwest Missouri Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southwest Missouri Bank of Carthage, MO against its peer group of 931 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 | 1.06% | 1.44% | -0.38% | 33rd below |
| ROAE | 15.69% | 12.50% | +3.19% | 75th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.83% | 3.84% | -0.01% | 58th above |
| Efficiency Ratio | 68.18% | 58.86% | +9.32% | 25th below |
| PPNR / Avg Assets | 1.40% | 1.78% | -0.38% | 31st below |
| Yield on Earning Assets | 5.16% | 5.71% | -0.55% | 27th below |
| Cost of Funds | 1.41% | 2.03% | -0.62% | 83rd top |
| Net Interest Spread | 3.62% | 3.18% | +0.44% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.49% | 0.96% | -0.47% | 58th above |
| NPA / Total Assets | 0.26% | 0.75% | -0.49% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.31% | -0.15% | 22nd bottom |
| ACL / Total Loans | 1.11% | 1.25% | -0.14% | 44th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 226.43% | 699.36% | -472.93% | 59th above |
| Texas Ratio | 3.83% | 7.16% | -3.33% | 58th above |
| Provision / NCO | 152.98% | 815.41% | -662.43% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.41% | -2.11% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.45% | -2.15% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.39% | 18.50% | -2.11% | 72nd above |
| Leverage Ratio | 8.73% | 11.60% | -2.87% | 7th bottom |
| Equity / Assets | 7.06% | 11.34% | -4.28% | 3rd bottom |
| TCE / Tangible Assets | 7.06% | 10.65% | -3.59% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.41% | 86.38% | -24.97% | 92nd top |
| Core Deposit Ratio | 93.64% | 85.55% | +8.09% | 77th top |
| Uninsured Deposit Ratio | 30.28% | 32.71% | -2.43% | 53rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.64% | 5.45% | -0.81% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.88% | 10.46% | -5.58% | 48th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.43% | 7.99% | -1.56% | 55th above |
| Deposit Growth (Y/Y) | 4.51% | 7.98% | -3.47% | 48th below |
See Southwest Missouri Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southwest Missouri 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 Southwest Missouri Bank profile, how to read a UBPR, or how this data updates.