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 (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 | 0.95% | 0.99% | 0.79% | 1.34% | 1.22% | 1.15% | 1.18% | 1.20% | -15 bps | |
| Return on Equity | 9.42% | 9.79% | 8.03% | 13.38% | 11.41% | 10.17% | 10.34% | 10.33% | -304 bps | |
| Net Interest Margin | 3.19% | 3.22% | 2.98% | 3.32% | 3.67% | 3.70% | 3.70% | 3.63% | +31 bps | |
| Efficiency Ratio | 67.34% | 66.49% | 70.69% | 61.34% | 62.46% | 61.40% | 64.77% | 63.97% | +264 bps | |
| Non-Interest Burden | 1.92% | 1.89% | 1.92% | 1.68% | 2.05% | 1.98% | 2.15% | 2.05% | +37 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% | 0.05% | 0.08% | 0.04% | 0.00% | 0.13% | -0.04% | 0.35% | +31 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 | |