State Bank of Missouri: 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 3.92 percentage points in Q2 2026, from 65.88% to 61.96%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, State Bank of Missouri is 122nd of 192 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; State Bank of Missouri reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.94% |
| Tier 1 risk-based capital ratio | 16.94% |
| Total risk-based capital ratio | 18.19% |
| Tier 1 leverage ratio | 8.93% |
| Equity capital to assets | 8.31% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.80% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 12.31% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 61.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 15.98% |
| Net interest margin | 3.84% |
| Efficiency ratio | 57.94% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.87% |
| Core deposits to total deposits | 97.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.94% |
| Securities to assets | 29.64% |
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 | 18.28% | 18.28% | 19.53% | 8.82% | 0.92% |
| Q4 2023 | 17.29% | 17.29% | 18.48% | 8.47% | 0.84% |
| Q1 2024 | 18.17% | 18.17% | 19.42% | 8.60% | 0.88% |
| Q2 2024 | 18.66% | 18.66% | 19.79% | 8.89% | 0.88% |
| Q3 2024 | 18.10% | 18.10% | 19.28% | 8.57% | 1.04% |
| Q4 2024 | 18.23% | 18.23% | 19.42% | 8.88% | 0.93% |
| Q1 2025 | 17.77% | 17.77% | 19.00% | 8.58% | 1.05% |
| Q2 2025 | 17.67% | 17.67% | 18.92% | 8.64% | 1.19% |
| Q3 2025 | 17.34% | 17.34% | 18.59% | 8.68% | 1.47% |
| Q4 2025 | 17.27% | 17.27% | 18.52% | 8.71% | 1.03% |
| Q1 2026 | 16.97% | 16.97% | 18.22% | 8.85% | 1.35% |
| Q2 2026 | 16.94% | 16.94% | 18.19% | 8.93% | 1.26% |
State Bank of Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Missouri, 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10623) · FFIEC NIC profile (RSSD 565844)