Old Monroe, MO · Cert 1655 · Cuivre River Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #26 of 111 inst. · $0.9B 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 | 1.81% | 1.62% | 1.68% | 1.75% | 1.68% | 1.54% | 1.39% | 1.16% | -60 bps | |
| Return on Equity | 30.99% | 27.37% | 30.60% | 31.85% | 27.96% | 22.67% | 20.28% | 17.08% | -1,477 bps | |
| Net Interest Margin | 3.54% | 3.32% | 3.27% | 3.51% | 3.56% | 3.69% | 3.38% | 3.32% | -19 bps | |
| Efficiency Ratio | 38.83% | 46.12% | 42.22% | 41.33% | 40.31% | 47.87% | 50.27% | 43.07% | +175 bps | |
| Non-Interest Burden | 1.12% | 1.33% | 1.16% | 1.21% | 1.17% | 1.55% | 1.51% | 1.17% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.79% | 21.22% | 22.12% | 10.61% | 12.44% | 8.05% | 7.35% | 11.19% | +58 bps | |
| Loan Growth (YoY) | 35.33% | 34.86% | 20.76% | 16.42% | 20.54% | 17.61% | 22.62% | 21.09% | +468 bps | |
| Deposit Growth (YoY) | 24.20% | 22.34% | 23.41% | 11.42% | 10.88% | 3.08% | 6.65% | 9.71% | -171 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.08% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.00% | 0.01% | 0.00% | 0.17% | 0.01% | -0.10% | -11 bps | |
| Allowance / Loans | 1.39% | 1.33% | 1.41% | 1.41% | 1.44% | 1.44% | 1.46% | 1.74% | +32 bps | |
| Allowance Coverage of NPLs | 499.4x | 298.4x | 342.1x | 1303.2x | 2171.5x | 29.0x | 17.8x | 611.6x | -691.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.72% | 10.40% | 10.57% | 10.79% | 10.64% | 10.79% | 10.68% | 10.55% | -24 bps | |
| Total Risk-Based Capital | 10.72% | 10.40% | 10.57% | 10.79% | 10.64% | 10.79% | 10.68% | 10.55% | -24 bps | |
| Equity / Assets | 6.23% | 5.63% | 5.36% | 5.65% | 6.37% | 7.25% | 6.45% | 7.08% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.75% | 65.99% | 61.53% | 66.14% | 70.39% | 75.28% | 70.74% | 73.00% | +687 bps | |
| Liquid Assets / Assets | 0.67% | 0.64% | 9.47% | 3.43% | 3.84% | 1.23% | 2.87% | 1.17% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 304% | 314% | 341% | n/a | n/a | |