Silex Banking Company
Silex, MO · Cert 14178 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Silex Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$98.2MAssets
$62.0MLoans
$84.4MDeposits
$13.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
- Widest gap: return on equity trails 70% of banks under $1B in assets in the St. Louis, MO-IL area (rank 28 of 40).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.02%
Rank 21 of 40
Net Interest Margin
3.40%
Rank 14 of 40
Efficiency Ratio
66.92%
Rank 23 of 40
Equity / Assets
13.90%
Rank 7 of 40
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 45% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.64% | 1.04% | 1.26% | Beats 48% | 21 / 40 | |
| Return on Equity | 7.37% | 6.25% | 9.97% | 13.41% | Beats 30% | 28 / 40 | |
| Net Interest Margin | 3.40% | 3.09% | 3.22% | 3.62% | Beats 65% | 14 / 40 | |
| Efficiency Ratio | 66.92% | 57.08% | 64.37% | 75.86% | Beats 45% | 23 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.14% | 0.62% | 1.92% | Beats 45% | 22 / 38 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 100% | 9 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 14.67% | 10.29% | 12.88% | 15.77% | Beats 65% | 14 / 40 | |
| Total Risk-Based Capital Ratio | 14.67% | 10.64% | 13.30% | 17.01% | Beats 60% | 16 / 40 | |
| Equity / Assets | 13.90% | 8.59% | 9.46% | 12.46% | Beats 83% | 7 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 73.44% | 66.12% | 79.48% | 94.60% | 38th pctl | 25 / 40 | |
| Loans / Assets | 63.17% | 54.69% | 68.52% | 77.46% | 38th pctl | 25 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |