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
Unfavorable gap of $2.2M · efficiency ratio beats 60% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.64% | 1.04% | 1.26% | Beats 20% | 32 / 40 | |
| Return on Equity | 3.56% | 6.25% | 9.97% | 13.41% | Beats 15% | 34 / 40 | |
| Net Interest Margin | 1.96% | 3.09% | 3.22% | 3.62% | Beats 0% | 40 / 40 | |
| Efficiency Ratio | 62.06% | 57.08% | 64.37% | 75.86% | Beats 60% | 17 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.14% | 0.62% | 1.92% | Beats 53% | 19 / 38 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.09% | Beats 50% | 20 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 10.29% | 12.88% | 15.77% | Beats 18% | 33 / 40 | |
| Total Risk-Based Capital Ratio | 11.18% | 10.64% | 13.30% | 17.01% | Beats 28% | 29 / 40 | |
| Equity / Assets | 14.74% | 8.59% | 9.46% | 12.46% | Beats 85% | 6 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 80.85% | 66.12% | 79.48% | 94.60% | 55th pctl | 18 / 40 | |
| Loans / Assets | 68.52% | 54.69% | 68.52% | 77.46% | 50th pctl | 20 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |