Chesterfield, IL · Cert 10872
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #102 of 111 inst. · $0.0B 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 | 0.41% | -1.12% | 0.20% | 0.60% | 0.48% | -9.78% | 0.29% | 2.76% | +215 bps | |
| Return on Equity | 4.89% | -13.28% | 2.41% | 6.95% | 5.24% | -118.39% | 4.10% | 36.04% | +2,909 bps | |
| Net Interest Margin | 3.35% | 3.01% | 3.02% | 3.27% | 3.46% | 2.41% | 2.81% | 3.58% | +31 bps | |
| Efficiency Ratio | 84.95% | 79.69% | 91.85% | 78.43% | 83.41% | 130.77% | 105.29% | 87.85% | +942 bps | |
| Non-Interest Burden | 2.83% | 2.36% | 2.76% | 2.50% | 2.86% | 3.21% | 2.98% | 3.11% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 3.34% | -2.49% | -4.50% | -8.74% | -9.19% | -5.25% | -4.83% | -34 bps | |
| Loan Growth (YoY) | -5.22% | -9.77% | -10.31% | -11.49% | -11.38% | -12.84% | -8.24% | -14.96% | -347 bps | |
| Deposit Growth (YoY) | 4.30% | 3.63% | -2.64% | -5.08% | -9.83% | -7.93% | -3.98% | -4.12% | +97 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.45% | 9.82% | 13.98% | 9.32% | 12.78% | 8.44% | 11.20% | -278 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.96% | 0.00% | 0.00% | -0.08% | 11.74% | 0.00% | -4.29% | -429 bps | |
| Allowance / Loans | 1.05% | 1.19% | 1.24% | 1.28% | 1.14% | 1.43% | 1.23% | 1.26% | -2 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.81% | 8.38% | 8.72% | 9.19% | 9.44% | 7.08% | 7.43% | 8.15% | -103 bps | |
| Total Risk-Based Capital | 8.81% | 14.06% | 14.00% | 14.00% | 15.15% | 11.65% | 12.51% | 14.48% | +48 bps | |
| Equity / Assets | 8.49% | 8.31% | 8.52% | 8.85% | 9.52% | 6.99% | 7.19% | 8.10% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.52% | 79.79% | 77.56% | 76.88% | 80.11% | 75.54% | 74.12% | 68.19% | -869 bps | |
| Liquid Assets / Assets | 20.72% | 22.26% | 24.55% | 24.97% | 21.91% | 24.72% | 26.25% | 31.77% | +680 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.51% | 9.42% | 8.79% | n/a | n/a | |