St. Clair County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks St. Clair County State Bank of Osceola, MO against its peer group of 2757 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 | 1.93% | 1.25% | +0.68% | 83rd top |
| ROAE | 14.40% | 12.22% | +2.18% | 62nd above |
| Net Interest Margin | 4.44% | 3.95% | +0.49% | 76th top |
| Efficiency Ratio | 39.51% | 63.71% | -24.20% | 96th top |
| PPNR / Avg Assets | 2.65% | — | — | 92nd top |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 2.11% | 1.87% | +0.24% | 31st below |
| Net Interest Spread | 3.61% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.88% | -0.64% | 62nd above |
| NPA / Total Assets | 0.19% | — | — | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 1.25% | — | — | 57th above |
| ACL / NPLs (Coverage) | 511.90% | — | — | 71st above |
| Texas Ratio | 1.32% | 5.96% | -4.64% | 65th above |
| Provision / NCO | 7500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.51% | 11.75% | +1.76% | 78th top |
| Equity / Assets | 13.29% | 10.98% | +2.31% | 80th top |
| TCE / Tangible Assets | 13.29% | — | — | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.21% | 80.44% | +10.77% | 26th below |
| Core Deposit Ratio | 94.25% | 86.95% | +7.30% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.10% | — | — | 75th top |
| Loan Growth (Y/Y) | 15.21% | — | — | 86th top |
| Deposit Growth (Y/Y) | 5.91% | — | — | 63rd above |
See St. Clair County State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock St. Clair County State 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 St. Clair County 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 St. Clair County State Bank peer analysis.