Southwest 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.
Reserve coverage of non-performing loans dropped 86.86 percentage points in Q2 2026, from 313.29% to 226.43%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Southwest Missouri Bank is 143rd of 192 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Southwest Missouri Bank sits 0.22 points lower, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.39% |
| Tier 1 leverage ratio | 8.73% |
| Equity capital to assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 3.83% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 226.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 15.69% |
| Net interest margin | 3.83% |
| Efficiency ratio | 68.18% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.41% |
| Core deposits to total deposits | 93.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.37% |
| Securities to assets | 39.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.05% | 15.05% | 16.06% | 8.63% | 0.58% |
| Q4 2023 | 15.18% | 15.18% | 16.18% | 8.60% | 0.47% |
| Q1 2024 | 15.25% | 15.25% | 16.28% | 8.28% | 0.22% |
| Q2 2024 | 15.16% | 15.16% | 16.17% | 8.40% | 0.64% |
| Q3 2024 | 15.08% | 15.08% | 16.08% | 8.50% | 0.82% |
| Q4 2024 | 14.94% | 14.94% | 15.93% | 8.58% | 0.77% |
| Q1 2025 | 15.08% | 15.08% | 16.07% | 8.46% | 0.87% |
| Q2 2025 | 14.97% | 14.97% | 15.96% | 8.54% | 0.92% |
| Q3 2025 | 15.04% | 15.04% | 16.06% | 8.65% | 0.91% |
| Q4 2025 | 15.03% | 15.03% | 16.07% | 8.67% | 1.13% |
| Q1 2026 | 15.14% | 15.14% | 16.21% | 8.58% | 0.98% |
| Q2 2026 | 15.30% | 15.30% | 16.39% | 8.73% | 1.06% |
Southwest Missouri Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest 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 Southwest Missouri Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22876) · FFIEC NIC profile (RSSD 760854)