Saint Clair, MO · Cert 14056 · Saint Clair Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
62
Profitability
67
Liquidity
98
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Clair, MO · Cert 14056 · Saint Clair Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #56 of 111 inst. · $0.3B 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 | 0.89% | 0.92% | 0.79% | 1.08% | 1.13% | 1.13% | 1.18% | 1.19% | +11 bps | |
| Return on Equity | 9.15% | 9.36% | 8.03% | 10.74% | 10.95% | 10.74% | 10.34% | 10.32% | -42 bps | |
| Net Interest Margin | 3.10% | 3.14% | 2.98% | 3.15% | 3.40% | 3.52% | 3.70% | 3.66% | +50 bps | |
| Efficiency Ratio | 67.99% | 67.60% | 70.69% | 65.63% | 64.53% | 63.72% | 64.77% | 64.37% | -126 bps | |
| Non-Interest Burden | 1.90% | 1.90% | 1.92% | 1.80% | 1.93% | 1.97% | 2.15% | 2.10% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.17% | 2.08% | 5.64% | 2.74% | -0.71% | -1.82% | -5.12% | -1.18% | -393 bps | |
| Loan Growth (YoY) | 2.33% | 0.55% | 0.76% | 2.73% | -0.72% | 3.67% | 4.85% | 3.71% | +98 bps | |
| Deposit Growth (YoY) | -1.78% | 0.20% | 5.20% | 4.10% | 0.35% | -3.55% | -4.95% | -2.74% | -684 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.03% | 0.08% | 0.03% | 0.03% | 0.00% | 0.00% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.08% | 0.06% | 0.04% | 0.06% | -0.04% | 0.16% | +10 bps | |
| Allowance / Loans | 1.22% | 1.27% | 1.29% | 1.27% | 1.29% | 1.25% | 1.29% | 1.22% | -5 bps | |
| Allowance Coverage of NPLs | 695.0x | 12.1x | 40.7x | 16.2x | 40.5x | 43.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.45% | 11.70% | 11.33% | 11.68% | 12.12% | 12.52% | 12.61% | 12.76% | +107 bps | |
| Total Risk-Based Capital | 17.87% | 18.39% | 18.76% | 18.91% | 19.08% | 19.08% | 19.20% | 19.52% | +62 bps | |
| Equity / Assets | 10.28% | 10.03% | 9.74% | 10.36% | 11.04% | 11.50% | 11.39% | 11.77% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.43% | 75.11% | 69.38% | 73.11% | 75.61% | 80.73% | 76.54% | 77.96% | +485 bps | |
| Liquid Assets / Assets | 4.80% | 5.78% | 11.63% | 6.96% | 3.65% | 1.72% | 3.90% | 2.53% | -443 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 261% | 256% | n/a | n/a | |
Saint Clair, MO · Cert 14056 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Saint Clair Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.18%
Rank 12 of 40
Net Interest Margin
3.66%
Rank 9 of 40
Efficiency Ratio
64.37%
Rank 21 of 40
Equity / Assets
11.77%
Rank 12 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.64% | 1.04% | 1.26% | Beats 70% | 12 / 40 | ||
| Return on Equity | 10.05% | 6.25% | 9.97% | 13.41% | Beats 53% | 19 / 40 | ||
| Net Interest Margin | 3.66% | 3.09% | 3.22% | 3.62% | Beats 78% | 9 / 40 | ||
| Efficiency Ratio | 64.37% | 57.08% | 64.37% | 75.86% | Beats 50% | 21 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.62% | 1.92% | Beats 100% | 2 / 38 | ||
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.09% | Beats 24% | 30 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.30% | 10.29% | 12.88% | 15.77% | Beats 83% | 7 / 40 | ||
| Total Risk-Based Capital Ratio | 19.52% | 10.64% | 13.30% | 17.01% | Beats 85% | 6 / 40 | ||
| Equity / Assets | 11.77% | 8.59% | 9.46% | 12.46% | Beats 70% | 12 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.96% | 66.12% | 79.48% | 94.60% | 48th pctl | 21 / 40 | ||
| Loans / Assets | 68.35% | 54.69% | 68.52% | 77.46% | 48th pctl | 21 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||