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The Bank of Missouri
Perryville, MO·FDIC Cert #1617·Charter: STATE·Est. 18911107.0·HC: RELIABLE CMTY BANCSHARES INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.65%
-0.36%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.83%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.65%-0.36
ROE
15.33%-3.67
Efficiency
63.83%+4.59
Equity/Assets
0.00%+0.00
NPL Ratio
0.36%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.36%-0.60
Charge-offs
-0.00%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.6 | 0.6 | 0.6 | 0.6 | 2.6 | 2.0 | 1.7 |
| ROE | 4.4 | 5.7 | 5.3 | 5.6 | 5.6 | 24.6 | 19.0 | 15.3 |
| Efficiency | 85.9 | 83.1 | 84.3 | 83.6 | 83.7 | 53.7 | 59.2 | 63.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.4 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 82.5 | 81.2 | 82.3 | 79.9 | 82.2 | 84.2 | 86.0 | 85.4 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.5B
Total Loans$2.1B
Total Equity$346.9M
Profitability
ROA1.65%
ROE15.33%
Efficiency Ratio63.83%
Net Income$50.5M
Risk & Asset Quality
NPL Ratio0.36%
Charge-off Rate-0.00%
Loan/Deposit85.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans