0.01%
+100.6%y/y
Peer standing60th percentile
FDIC
NETINC + ROAFS
Four States Bank
Carthage, MissouriFDIC Cert #59352
STATEEstablished 20245 branches
Holding company: FOUR STATES BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
0.04%
+101.2%y/y
Peer standing60th percentile
FDIC
NETINC + ROE0.01%
+100.6%y/y
Peer standing60th percentile
FDIC
PTAXNETINC + ASSET4.07%
−9.5%y/y
Peer standing40th percentile
FDIC
NIM + NIMY6.79%
+1.4%y/y
Peer standing80th percentile
FDIC
INTINCY3.19%
−3.3%y/y
Peer standing20th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
86.53%
−17.2%y/y
Peer standing80th percentile
FDIC
NONIX + NIM + NONII + EEFFR4.51%
−28.1%y/y
Peer standing60th percentile
FDIC
NONIX + ASSET27.15%
−14.9%y/y
Percentile by value100th percentileby value
FDIC
NONII + NIM+88.37%
Percentile by value60th percentileby value
FDIC
ASSET+137.06%
Percentile by value40th percentileby value
FDIC
DEP+147.21%
Percentile by value25th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.01%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −7.18%Median −1.09%90th 0.47%Observations 6
ROE
FDIC
NETINC + ROE0.04%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −19.86%Median −3.72%90th 2.61%Observations 6
NIM
FDIC
NIM + NIMY4.07%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.57%Median 4.10%90th 4.92%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.53%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 81.76%Median 126.67%90th 285.91%Observations 6
Deposits YoY
FDIC
DEP+137.06%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +47.99%Median +156.32%90th +665.69%Observations 6
Loans YoY
FDIC
LNLSNET+147.21%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +99.64%Median +280.88%90th +574.58%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.00%90th 0.27%Observations 6
Leverage
FDIC
RBC1AAJ20.53%28th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 16.96%Median 27.16%90th 37.31%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%20th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.42%Median 2.82%90th 3.44%Observations 6
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.01%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.73%Median 1.39%90th 2.35%Observations 191
ROE
FDIC
NETINC + ROE0.04%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.96%Median 14.03%90th 23.57%Observations 191
NIM
FDIC
NIM + NIMY4.07%51st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.90%Observations 191
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.53%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.85%Median 58.72%90th 75.42%Observations 191
Deposits YoY
FDIC
DEP+137.06%99th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.20%Median +4.02%90th +13.71%Observations 191
Loans YoY
FDIC
LNLSNET+147.21%99th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.53%Median +6.56%90th +19.45%Observations 189
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.31%Observations 189
Leverage
FDIC
RBC1AAJ20.53%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.22%Median 10.54%90th 14.54%Observations 191
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.44%90th 3.40%Observations 191
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 36%Median 153%90th 324%Observations 103
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.