Pacific, MO · Cert 21897 · Bancstar Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #70 of 111 inst. · $0.2B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.18% | 1.38% | 0.86% | 0.24% | -78 bps | |
| Return on Equity | 12.75% | 14.30% | 16.31% | 10.17% | 2.08% | -1,067 bps | |
| Net Interest Margin | 3.63% | 3.77% | 3.83% | 3.84% | -0.10% | -373 bps | |
| Efficiency Ratio | 69.99% | 65.94% | 64.96% | 75.42% | 62.06% | -793 bps | |
| Non-Interest Burden | 2.49% | 2.41% | 2.42% | 2.85% | -0.59% | -308 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 / Loans | 0.08% | 0.08% | 0.43% | 0.11% | 0.61% | +54 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.02% | 0.02% | 0.04% | 0.00% | +8 bps | |
| Allowance / Loans | 1.39% | 1.35% | 1.22% | 1.16% | 2.30% | +92 bps | |
| Allowance Coverage of NPLs | 18.0x | 17.1x | 2.8x | 10.8x | 3.8x | -14.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.08% | 8.31% | 8.42% | 8.36% | 7.26% | -82 bps | |
| Total Risk-Based Capital | 12.78% | 12.87% | 13.42% | 13.39% | 11.18% | -160 bps | |
| Equity / Assets | 8.14% | 8.40% | 8.56% | 8.43% | 14.74% | +660 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.49% | 83.34% | 82.15% | 81.04% | 80.85% | -464 bps | |
| Liquid Assets / Assets | 1.51% | 2.30% | 2.16% | 1.03% | 0.01% | -149 bps | |
| CRE / Total Capital | n/a | 360% | 350% | 343% | n/a | n/a | |