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 (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 | 0.09% | 0.15% | 0.48% | 0.39% | 0.25% | 0.34% | 0.44% | 0.61% | +22 bps | |
| Return on Equity | 3.03% | 4.28% | 14.63% | 10.86% | 5.93% | 7.05% | 9.02% | 12.52% | +167 bps | |
| Net Interest Margin | 2.92% | 3.02% | 3.01% | 3.20% | 3.26% | 3.28% | 3.24% | 3.47% | +28 bps | |
| Efficiency Ratio | 97.32% | 94.87% | 85.62% | 88.26% | 91.21% | 88.69% | 85.70% | 78.07% | -1,019 bps | |
| Non-Interest Burden | 2.79% | 2.79% | 2.30% | 2.65% | 2.85% | 2.75% | 2.57% | 2.33% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | -3.44% | 1.76% | 5.15% | 7.22% | 8.43% | 6.53% | 6.79% | +165 bps | |
| Loan Growth (YoY) | 25.49% | 16.66% | 18.19% | 9.26% | 12.13% | 12.42% | 12.50% | 16.11% | +686 bps | |
| Deposit Growth (YoY) | 1.94% | 5.03% | 8.12% | 9.49% | 12.58% | 11.94% | 6.61% | 6.90% | -259 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.00% | 0.00% | 0.12% | 0.03% | 0.02% | 0.00% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.08% | 0.01% | -0.01% | 0.04% | 0.00% | 0.04% | 0.34% | +35 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Allowance Coverage of NPLs | 1.5x | n/a | n/a | 8.3x | 29.9x | 59.1x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.64% | 7.73% | 7.83% | 7.63% | 7.97% | 8.08% | 7.97% | 8.06% | +43 bps | |
| Total Risk-Based Capital | 10.81% | 10.86% | 10.60% | 10.58% | 11.15% | 11.19% | 11.03% | 10.94% | +36 bps | |
| Equity / Assets | 3.87% | 3.02% | 3.52% | 3.67% | 4.69% | 5.04% | 4.81% | 4.97% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.69% | 69.90% | 66.66% | 66.59% | 67.42% | 70.20% | 70.34% | 72.33% | +574 bps | |
| Liquid Assets / Assets | 4.47% | 2.54% | 5.06% | 5.36% | 5.99% | 2.20% | 3.88% | 3.04% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 277% | 287% | n/a | n/a | |