Silex, MO · Cert 14178 · Silex Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #79 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.81% | 0.93% | 0.98% | 1.05% | +68 bps | |
| Return on Equity | 2.79% | 5.93% | 6.79% | 6.93% | 7.47% | +468 bps | |
| Net Interest Margin | 3.08% | 3.20% | 2.99% | 3.42% | 3.40% | +32 bps | |
| Efficiency Ratio | 71.77% | 62.31% | 62.66% | 68.61% | 66.92% | -485 bps | |
| Non-Interest Burden | 2.19% | 1.97% | 1.85% | 2.32% | 2.25% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.48% | -0.78% | -1.12% | 2.96% | 4.73% | +521 bps | |
| Loan Growth (YoY) | 19.16% | 16.61% | 14.95% | 12.23% | 2.91% | -1,625 bps | |
| Deposit Growth (YoY) | -0.91% | -1.33% | -2.44% | 2.17% | 4.29% | +520 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.91% | +91 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 1.01% | 0.89% | 0.87% | 0.89% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.32% | 14.76% | 13.19% | 15.00% | 14.67% | +35 bps | |
| Total Risk-Based Capital | 14.32% | 14.76% | 13.19% | 15.00% | 14.67% | +35 bps | |
| Equity / Assets | 13.51% | 14.18% | 14.38% | 13.89% | 13.90% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.43% | 75.95% | 78.95% | 75.55% | 73.44% | -99 bps | |
| Liquid Assets / Assets | 19.16% | 17.73% | 19.28% | 20.77% | 20.32% | +117 bps | |
| CRE / Total Capital | n/a | 79.72% | 90.35% | 97.43% | n/a | n/a | |