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 (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 | 0.20% | -0.13% | 0.20% | 0.40% | 0.43% | -1.93% | 0.29% | 1.53% | +113 bps | |
| Return on Equity | 2.33% | -1.52% | 2.41% | 4.69% | 4.87% | -22.85% | 4.10% | 20.61% | +1,592 bps | |
| Net Interest Margin | 3.04% | 2.99% | 3.02% | 3.19% | 3.30% | 3.15% | 2.81% | 3.18% | -1 bps | |
| Efficiency Ratio | 92.23% | 89.05% | 91.85% | 84.79% | 84.32% | 93.34% | 105.29% | 95.57% | +1,078 bps | |
| Non-Interest Burden | 2.79% | 2.65% | 2.76% | 2.67% | 2.75% | 2.93% | 2.98% | 3.03% | +36 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% | 0.49% | 0.00% | 0.00% | -0.03% | 2.92% | 0.00% | -2.14% | -214 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 | |