Bank of Old Monroe
Old Monroe, Missouri · $995M in assets · beside the 11 other Missouri banks between $300M and $1B
The filing
Bank of Old Monroe is the largest of the 12 Missouri banks nearest its size between $300M and $1B, with $995M in assets at 30 June 2026. Loans are 73.0% of deposits, 3rd of 12 against a median of 92.1%, and equity is 7.1% of assets, 11th of 12. Loans grew +21.1% in the year, the fastest in the cohort, and deposits grew 9.7%; the cohort's median loan growth is +5.0%.
Noncurrent loans are 0.00% of the book, the lowest in the cohort against a median of 0.45%; 0.01% is 30 to 89 days past due, and the allowance covers them 611.6 times. Commercial real estate is 42.9% of loans, 8th of 11 against a median of 32.5%, and 263% of capital, below the 300% screen, with construction at 216% against the 100% screen. CRE has grown +144.1% over 36 months, past the guidance's 50% prong.
Return on assets is 1.54%, 7th of 12 against a median of 1.54%, on an efficiency ratio of 46.6%, 3rd of 12. Five years ago it was 2.57%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.
Commercial real estate against capital
| Bank of Old Monroe | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 263% | 9th of 12 | 196% |
| Construction against capital, the 100% screen | 216% | 12th of 12 | 68% |
| Construction and land development, share of loans | 35.2% | 11th of 11 | 11.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 6.5% | 3rd of 11 | 14.1% |
| Total CRE, the guidance definition, share of loans | 42.9% | 8th of 11 | 32.5% |
| CRE growth over 36 months, the third prong | +144.1% | 11th of 11 | +48.0% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $995M | 1.5% | 46.6% | 0.00% | -0.04% | 1.7% | 73.0% | 7.1% | |
| $993M | 0.4% | 84.3% | 0.45% | 0.29% | 1.3% | 111.1% | 10.7% | |
| $949M | -1.4% | 69.2% | 6.61% | 3.20% | 2.5% | 91.2% | 10.5% | |
| $948M | 0.6% | 70.9% | 1.54% | 0.05% | 1.3% | 95.0% | 10.3% | |
| $947M | 1.6% | 59.0% | 0.07% | 0.04% | 1.2% | 80.5% | 10.6% | |
| $915M | 2.7% | 46.0% | 0.58% | -0.05% | 2.7% | 77.1% | 18.0% | |
| $911M | 3.3% | 38.9% | no record | no record | no record | 0.0% | 5.8% | |
| $908M | 1.5% | 51.8% | 2.27% | 0.01% | 1.6% | 62.2% | 8.7% | |
| $867M | 1.4% | 56.8% | 0.13% | 0.00% | 1.7% | 93.2% | 9.9% | |
| $854M | 1.2% | 64.8% | 0.29% | -0.01% | 1.1% | 96.7% | 8.4% | |
| $854M | 1.7% | 64.4% | 0.85% | 0.05% | 1.2% | 104.9% | 12.1% | |
| $850M | 1.9% | 51.2% | 0.13% | 0.04% | 0.9% | 92.9% | 8.9% |
| Bank of Old Monroe | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $286M | $669M | +134% | $428M | $676M | +58% |
| Deposits | $457M | $917M | +100% | $616M | $748M | +22% |
| NPA / loans | 0.14% | 0.00% | -0.14 pts | 0.34% | 0.45% | +0.11 pts |
| Efficiency | 43.7% | 46.6% | +2.9 pts | 63.6% | 57.9% | -5.8 pts |
| ROA | 2.57% | 1.54% | -1.03 pts | 1.24% | 1.54% | +0.30 pts |
This read was prepared for Bank of Old Monroe's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Bank of Old Monroe is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.bankofoldmonroe.com
← Back to the catalogue