PackageTrendsPeer
Letter portraitLegal landscape

Bank Star

Pacific, MO · Cert 21897 · Bancstar Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank Star

Pacific, MO · Cert 21897 · Bancstar Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$207.9MAssets
$142.5MLoans
$176.2MDeposits
$30.6MEquity
Loan mix
90%RE $130.8M7%C&I $9.8M3%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $139.9M21%Noninterest $36.3MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.38%Q2 ’252.66%Q2 ’26+8%-47%

Non-interest income vs. expense

2.61%Q2 ’242.83%Q2 ’251.17%Q2 ’26+11%-58%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #70 of 111 inst. · $0.2B of $141.7B

2.2% Jefferson
2.0% Franklin
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 0.55%, down 28 bps year over year; NIM at 1.96%.
  • Asset quality: problem loans at 0.61% of loans (+54 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 7.26%, down 82 bps from a year ago.
  • Funding: loans stand at 80.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-28 bps YoY

Net Interest Margin (YTD, annualized)

1.96%-173 bps YoY

Efficiency Ratio (YTD, annualized)

59.68%-1,112 bps YoY

Tier 1 Leverage Ratio

7.26%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.95%1.06%0.86%0.55%-28 bps
Return on Equity10.35%11.67%12.88%10.17%5.12%-523 bps
Net Interest Margin3.70%3.73%3.71%3.84%1.96%-173 bps
Efficiency Ratio70.80%69.16%68.07%75.42%59.68%-1,112 bps
Non-Interest Burden2.57%2.52%2.46%2.85%1.08%-149 bps
Growth
Asset Growth (YoY)0.01%2.01%3.86%3.42%9.90%+989 bps
Loan Growth (YoY)-4.99%-3.81%-1.93%-0.36%-1.87%+311 bps
Deposit Growth (YoY)-1.45%0.83%2.96%2.68%3.76%+521 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.43%0.11%0.61%+54 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.04%0.02%+1 bps
Allowance / Loans1.39%1.35%1.22%1.16%2.30%+92 bps
Allowance Coverage of NPLs18.0x17.1x2.8x10.8x3.8x-14.2x
Capital
Tier 1 Leverage Ratio8.08%8.31%8.42%8.36%7.26%-82 bps
Total Risk-Based Capital12.78%12.87%13.42%13.39%11.18%-160 bps
Equity / Assets8.14%8.40%8.56%8.43%14.74%+660 bps
Liquidity & Funding
Loans / Deposits85.49%83.34%82.15%81.04%80.85%-464 bps
Liquid Assets / Assets1.51%2.30%2.16%1.03%0.01%-149 bps
CRE / Total Capitaln/a360%350%343%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank Star

Pacific, MO · Cert 21897 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Bancstar Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$207.9MAssets
$142.5MLoans
$176.2MDeposits
$30.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 85% of banks under $1B in assets in the St. Louis, MO-IL area (rank 6 of 40).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 40 of 40).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.52%

Rank 32 of 40

Net Interest Margin

1.96%

Rank 40 of 40

Efficiency Ratio

62.06%

Rank 17 of 40

Equity / Assets

14.74%

Rank 6 of 40

Non-interest income vs. expense

$0.2M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 60% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 62.06%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.64%1.04%1.26%Beats 20%32 / 40
Return on Equity3.56%6.25%9.97%13.41%Beats 15%34 / 40
Net Interest Margin1.96%3.09%3.22%3.62%Beats 0%40 / 40
Efficiency Ratio62.06%57.08%64.37%75.86%Beats 60%17 / 40
Asset Quality
Nonperforming Loans / Loans0.61%0.14%0.62%1.92%Beats 53%19 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 50%20 / 38
Capital
Tier 1 Capital Ratio9.91%10.29%12.88%15.77%Beats 18%33 / 40
Total Risk-Based Capital Ratio11.18%10.64%13.30%17.01%Beats 28%29 / 40
Equity / Assets14.74%8.59%9.46%12.46%Beats 85%6 / 40
Liquidity & Funding
Loans / Deposits80.85%66.12%79.48%94.60%55th pctl18 / 40
Loans / Assets68.52%54.69%68.52%77.46%50th pctl20 / 40
Brokered Deposits / Depositsn/aNot reported for this institution