Steelville, MO · Cert 1639 · Steelville Cmty Banc-Shares
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #92 of 111 inst. · $0.0B 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 | 0.44% | 0.37% | 0.37% | 0.44% | 0.53% | +9 bps | |
| Return on Equity | 12.75% | 9.92% | 9.14% | 9.02% | 10.73% | -202 bps | |
| Net Interest Margin | 3.05% | 3.07% | 3.12% | 3.24% | 3.35% | +30 bps | |
| Efficiency Ratio | 86.92% | 88.35% | 88.44% | 85.70% | 81.68% | -524 bps | |
| Non-Interest Burden | 2.44% | 2.54% | 2.59% | 2.57% | 2.44% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.15% | 7.22% | 8.43% | 6.53% | 6.79% | +165 bps | |
| Loan Growth (YoY) | 9.26% | 12.13% | 12.42% | 12.50% | 16.11% | +686 bps | |
| Deposit Growth (YoY) | 9.49% | 12.58% | 11.94% | 6.61% | 6.90% | -259 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.03% | 0.02% | 0.00% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | 0.04% | 0.19% | +19 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 8.3x | 29.9x | 59.1x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.63% | 7.97% | 8.08% | 7.97% | 8.06% | +43 bps | |
| Total Risk-Based Capital | 10.58% | 11.15% | 11.19% | 11.03% | 10.94% | +36 bps | |
| Equity / Assets | 3.67% | 4.69% | 5.04% | 4.81% | 4.97% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.59% | 67.42% | 70.20% | 70.34% | 72.33% | +574 bps | |
| Liquid Assets / Assets | 5.36% | 5.99% | 2.20% | 3.88% | 3.04% | -232 bps | |
| CRE / Total Capital | n/a | 270% | 277% | 287% | n/a | n/a | |