State Bank of Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Missouri of Concordia, MO against its peer group of 2672 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.35% | -0.09% | 50th above |
| ROAE | 15.98% | 12.05% | +3.93% | 71st above |
| Net Interest Margin | 3.84% | 3.90% | -0.06% | 45th below |
| Efficiency Ratio | 57.94% | 63.15% | -5.21% | 60th above |
| PPNR / Avg Assets | 1.73% | 1.64% | +0.09% | 58th above |
| Yield on Earning Assets | 5.21% | 5.65% | -0.44% | 31st below |
| Cost of Funds | 1.50% | 1.85% | -0.35% | 69th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.33% | 3.35% | -0.02% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.80% | 0.92% | +0.88% | 15th bottom |
| NPA / Total Assets | 1.11% | 0.67% | +0.44% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 40th below |
| ACL / NPLs (Coverage) | 61.96% | 1645.81% | -1583.85% | 15th bottom |
| Texas Ratio | 12.31% | 7.15% | +5.16% | 17th bottom |
| Provision / NCO | 1533.33% | 1188.99% | +344.34% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.94% | 20.83% | -3.89% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.94% | 20.86% | -3.92% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.19% | 21.94% | -3.75% | 64th above |
| Leverage Ratio | 8.93% | 12.46% | -3.53% | 11th bottom |
| Equity / Assets | 8.31% | 11.67% | -3.36% | 17th bottom |
| TCE / Tangible Assets | 8.31% | 11.40% | -3.09% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.87% | 78.65% | -10.78% | 74th above |
| Core Deposit Ratio | 97.46% | 87.09% | +10.37% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.46% | 6.48% | -11.94% | 4th bottom |
| Loan Growth (Y/Y) | 3.95% | 7.64% | -3.69% | 42nd below |
| Deposit Growth (Y/Y) | -6.36% | 6.03% | -12.39% | 5th bottom |
See State Bank of Missouri's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Missouri, 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 State Bank of Missouri profile, how to read a UBPR, or how this data updates.