Kampsville, IL · Cert 11750 · Kampsville Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #77 of 111 inst. · $0.1B 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 | 0.70% | 0.71% | 0.52% | 0.68% | 0.68% | 0.75% | 0.72% | 0.93% | +24 bps | |
| Return on Equity | 4.25% | 4.27% | 3.02% | 3.96% | 3.90% | 4.28% | 4.19% | 5.39% | +143 bps | |
| Net Interest Margin | 2.59% | 2.57% | 2.52% | 2.54% | 2.53% | 2.62% | 2.74% | 2.76% | +22 bps | |
| Efficiency Ratio | 70.94% | 71.03% | 78.50% | 72.32% | 73.06% | 70.99% | 70.57% | 63.84% | -848 bps | |
| Non-Interest Burden | 1.74% | 1.73% | 1.91% | 1.74% | 1.76% | 1.76% | 1.83% | 1.63% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.10% | -1.69% | 0.46% | 4.36% | 4.56% | 7.44% | 7.91% | 6.14% | +178 bps | |
| Loan Growth (YoY) | 2.38% | 4.00% | 2.47% | 2.89% | 0.73% | -0.15% | 1.10% | 0.38% | -250 bps | |
| Deposit Growth (YoY) | -5.36% | -3.30% | -1.21% | 3.22% | 4.15% | 6.96% | 8.09% | 6.25% | +303 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.20% | 1.47% | 2.26% | 2.23% | 1.24% | 0.13% | 0.01% | -224 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.06% | 0.00% | 0.00% | 0.00% | 0.01% | 0.03% | 0.01% | +1 bps | |
| Allowance / Loans | 0.76% | 0.76% | 0.77% | 0.76% | 0.76% | 0.74% | 0.74% | 0.74% | -2 bps | |
| Allowance Coverage of NPLs | 11.9x | 3.7x | 0.5x | 0.3x | 0.3x | 0.6x | 5.9x | 69.8x | +69.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.26% | 18.32% | 18.13% | 17.88% | 17.83% | 17.91% | 17.45% | 17.41% | -47 bps | |
| Total Risk-Based Capital | 18.26% | 37.27% | 18.13% | 17.88% | 39.74% | 17.91% | 17.45% | 17.41% | -47 bps | |
| Equity / Assets | 17.61% | 17.34% | 17.16% | 17.27% | 17.92% | 17.66% | 16.95% | 17.09% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.73% | 47.65% | 45.43% | 45.13% | 46.16% | 44.49% | 42.50% | 42.64% | -249 bps | |
| Liquid Assets / Assets | 2.61% | 2.66% | 2.44% | 2.22% | 2.47% | 2.62% | 2.52% | 3.09% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 24.13% | 21.81% | 22.91% | n/a | n/a | |