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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.87% | 1.14% | 1.13% | 1.24% | 0.88% | 1.32% | 1.36% | +23 bps | |
| Return on Equity | 10.60% | 7.62% | 10.09% | 9.95% | 10.83% | 7.34% | 10.72% | 10.97% | +101 bps | |
| Net Interest Margin | 3.14% | 3.26% | 3.23% | 3.29% | 3.48% | 3.52% | 3.57% | 3.74% | +44 bps | |
| Efficiency Ratio | 58.41% | 67.81% | 57.17% | 55.12% | 55.86% | 59.01% | 50.81% | 52.98% | -214 bps | |
| Non-Interest Burden | 1.58% | 2.04% | 1.61% | 1.57% | 1.69% | 1.88% | 1.51% | 1.72% | +15 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 | 0.05% | 0.04% | 0.03% | 0.03% | 0.02% | 1.06% | 0.03% | 0.44% | +40 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 | |