Creve Coeur, MO · Cert 12229 · FB Corp.
State charter, Fed member · FED · 76 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 2.0% share · #11 of 111 inst. · $2.8B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.65% | 0.65% | 0.63% | 0.69% | +17 bps | |
| Return on Equity | 6.85% | 8.41% | 8.16% | 7.80% | 8.28% | +143 bps | |
| Net Interest Margin | 2.63% | 2.84% | 2.84% | 2.80% | 2.92% | +28 bps | |
| Efficiency Ratio | 78.77% | 75.15% | 75.43% | 73.51% | 73.86% | -491 bps | |
| Non-Interest Burden | 1.90% | 1.94% | 1.96% | 1.82% | 1.94% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.92% | 0.09% | 0.33% | 1.85% | 1.84% | +276 bps | |
| Loan Growth (YoY) | 4.02% | 6.55% | 6.14% | 9.43% | 7.83% | +382 bps | |
| Deposit Growth (YoY) | 3.79% | 0.63% | 0.71% | 1.14% | -1.12% | -492 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.38% | 0.24% | 0.24% | 0.27% | -6 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.11% | 0.06% | 0.16% | 0.17% | -11 bps | |
| Allowance / Loans | 1.01% | 1.02% | 1.03% | 1.02% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.7x | 4.3x | 4.3x | 3.8x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.01% | 9.17% | 9.36% | 9.48% | 9.67% | +66 bps | |
| Total Risk-Based Capital | 13.86% | 13.90% | 14.07% | 13.79% | 13.98% | +12 bps | |
| Equity / Assets | 7.63% | 7.88% | 8.05% | 8.16% | 8.43% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.95% | 68.55% | 67.47% | 71.40% | 73.02% | +607 bps | |
| Liquid Assets / Assets | 17.88% | 16.61% | 17.37% | 15.04% | 15.19% | -269 bps | |
| CRE / Total Capital | n/a | 293% | 292% | 293% | n/a | n/a | |