State Bank of Southwest 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.98 percentage points higher than in Q1 2026, at 93.19%. Within Missouri, State Bank of Southwest Missouri is 134th of 192 on return on assets, 1.17% as of Q2 2026, below the middle of the field. State Bank of Southwest Missouri reported 1.17% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.07% |
| Tier 1 risk-based capital ratio | 10.07% |
| Total risk-based capital ratio | 10.71% |
| Tier 1 leverage ratio | 7.49% |
| Equity capital to assets | 7.06% |
| Tangible equity to tangible assets | 7.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 16.42% |
| Net interest margin | 4.24% |
| Efficiency ratio | 73.51% |
| Yield on earning assets | 5.85% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.19% |
| Core deposits to total deposits | 95.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.26% |
| Securities to assets | 5.18% |
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 | 9.88% | 9.88% | 10.66% | 6.63% | -0.34% |
| Q4 2023 | 10.19% | 10.19% | 10.96% | 6.95% | 0.90% |
| Q1 2024 | 10.05% | 10.05% | 10.81% | 6.86% | 0.83% |
| Q2 2024 | 10.03% | 10.03% | 10.74% | 7.58% | 1.20% |
| Q3 2024 | 10.10% | 10.10% | 10.80% | 7.54% | 0.97% |
| Q4 2024 | 10.58% | 10.58% | 11.29% | 7.80% | 0.78% |
| Q1 2025 | 10.48% | 10.48% | 11.18% | 7.97% | 0.96% |
| Q2 2025 | 10.46% | 10.46% | 11.16% | 7.50% | 1.15% |
| Q3 2025 | 9.89% | 9.89% | 10.56% | 7.73% | 1.43% |
| Q4 2025 | 10.16% | 10.16% | 10.82% | 7.65% | 0.84% |
| Q1 2026 | 10.40% | 10.40% | 11.09% | 7.58% | 1.22% |
| Q2 2026 | 10.07% | 10.07% | 10.71% | 7.49% | 1.17% |
State Bank of Southwest Missouri vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Southwest 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 Southwest Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26358) · FFIEC NIC profile (RSSD 293754)