State Bank of Southwest 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 Southwest Missouri of Springfield, MO against its peer group of 2603 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 | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE | 16.42% | 13.32% | +3.10% | 73rd above |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 73.51% | 61.13% | +12.38% | 22nd bottom |
| PPNR / Avg Assets | 1.29% | 1.68% | -0.39% | 33rd below |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.54% | 1.28% | -0.74% | 4th bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.07% | 19.49% | -9.42% | 3rd bottom |
| Tier 1 Ratio | 10.07% | 19.52% | -9.45% | 3rd bottom |
| Total Capital Ratio | 10.71% | 20.61% | -9.90% | 1st bottom |
| Leverage Ratio | 7.49% | 12.14% | -4.65% | 1st bottom |
| Equity / Assets | 7.06% | 11.37% | -4.31% | 7th bottom |
| TCE / Tangible Assets | 7.06% | 11.08% | -4.02% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.19% | 80.66% | +12.53% | 22nd bottom |
| Core Deposit Ratio | 95.84% | 86.85% | +8.99% | 88th top |
| Wholesale Funding Ratio | 3.48% | 5.04% | -1.56% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.90% | 6.84% | +5.06% | 87th top |
| Loan Growth (Y/Y) | 12.44% | 7.92% | +4.52% | 81st top |
| Deposit Growth (Y/Y) | 11.53% | 6.29% | +5.24% | 86th top |
See State Bank of Southwest Missouri's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Southwest 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 Southwest Missouri profile, how to read a UBPR, or how this data updates.