Saint Louis, MO · Cert 1058 · Stupp Bros Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
19
Profitability
54
Liquidity
40
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Louis, MO · Cert 1058 · Stupp Bros Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.8% share · #13 of 111 inst. · $2.5B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.04% | 1.14% | 1.13% | 1.17% | 1.10% | 1.32% | 1.34% | +21 bps | |
| Return on Equity | 10.23% | 9.58% | 10.09% | 10.01% | 10.29% | 9.49% | 10.72% | 10.84% | +84 bps | |
| Net Interest Margin | 3.10% | 3.17% | 3.23% | 3.22% | 3.25% | 3.31% | 3.57% | 3.65% | +43 bps | |
| Efficiency Ratio | 61.26% | 62.92% | 57.17% | 56.13% | 56.03% | 56.81% | 50.81% | 51.91% | -422 bps | |
| Non-Interest Burden | 1.69% | 1.80% | 1.61% | 1.57% | 1.58% | 1.65% | 1.51% | 1.61% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.75% | 2.27% | 5.28% | 6.69% | 8.29% | 5.87% | 5.78% | 3.20% | -349 bps | |
| Loan Growth (YoY) | 0.31% | 5.69% | 6.45% | 11.00% | 11.96% | 6.42% | 4.48% | 1.66% | -933 bps | |
| Deposit Growth (YoY) | 0.66% | 2.04% | 5.59% | 7.21% | 8.79% | 4.87% | 5.31% | 1.47% | -574 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.27% | 0.43% | 0.62% | 0.63% | 1.22% | 1.24% | 1.07% | +45 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.03% | 0.02% | 0.28% | 0.03% | 0.23% | +20 bps | |
| Allowance / Loans | 1.38% | 1.38% | 1.39% | 1.39% | 1.45% | 1.29% | 1.40% | 1.35% | -4 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.1x | 3.2x | 2.2x | 2.3x | 1.1x | 1.1x | 1.3x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 11.17% | 11.04% | 11.21% | 11.13% | 11.74% | 11.91% | 12.15% | +94 bps | |
| Total Risk-Based Capital | 13.66% | 13.38% | 13.67% | 13.64% | 13.97% | 14.52% | 14.90% | 14.79% | +115 bps | |
| Equity / Assets | 11.50% | 11.28% | 11.32% | 11.34% | 11.62% | 12.38% | 12.33% | 12.38% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.70% | 96.70% | 96.19% | 96.71% | 97.46% | 98.13% | 95.44% | 96.89% | +18 bps | |
| Liquid Assets / Assets | 3.70% | 2.64% | 2.61% | 2.83% | 1.94% | 1.95% | 3.39% | 3.07% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 431% | 419% | 406% | n/a | n/a | |
Saint Louis, MO · Cert 1058 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Stupp Bros Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Return on Assets
1.32%
Rank 106 of 258
Net Interest Margin
3.65%
Rank 95 of 258
Efficiency Ratio
51.91%
Rank 66 of 257
Equity / Assets
12.38%
Rank 48 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.93% | 1.23% | 1.54% | Beats 59% | 106 / 258 | ||
| Return on Equity | 10.68% | 9.26% | 11.84% | 14.74% | Beats 40% | 155 / 258 | ||
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 63% | 95 / 258 | ||
| Efficiency Ratio | 51.91% | 51.71% | 60.30% | 69.65% | Beats 75% | 66 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.46% | 0.90% | Beats 21% | 206 / 258 | ||
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.02% | 0.07% | Beats 17% | 214 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.54% | 11.41% | 12.98% | 15.12% | Beats 59% | 107 / 258 | ||
| Total Risk-Based Capital Ratio | 14.79% | 12.10% | 13.91% | 16.08% | Beats 62% | 99 / 258 | ||
| Equity / Assets | 12.38% | 9.09% | 10.24% | 11.72% | Beats 81% | 48 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.89% | 73.24% | 86.34% | 95.95% | 79th pctl | 55 / 258 | ||
| Loans / Assets | 79.65% | 63.01% | 72.27% | 78.40% | 79th pctl | 54 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||