PackageTrendsPeer
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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 75thStandingRank8-Qtr TrendPeer 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