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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.08% | 0.63% | 1.03% | 1.18% | 1.38% | 0.86% | 0.24% | -78 bps | |
| Return on Equity | 11.45% | 13.57% | 7.91% | 12.75% | 14.30% | 16.31% | 10.17% | 2.08% | -1,067 bps | |
| Net Interest Margin | 3.59% | 3.58% | 3.81% | 3.63% | 3.77% | 3.83% | 3.84% | -0.10% | -373 bps | |
| Efficiency Ratio | 66.25% | 67.24% | 71.58% | 69.99% | 65.94% | 64.96% | 75.42% | 62.06% | -793 bps | |
| Non-Interest Burden | 2.29% | 2.31% | 2.68% | 2.49% | 2.41% | 2.42% | 2.85% | -0.59% | -308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 1.09% | 2.93% | 0.01% | 2.01% | 3.86% | 3.42% | 9.90% | +989 bps | |
| Loan Growth (YoY) | -3.57% | -0.04% | -1.76% | -4.99% | -3.81% | -1.93% | -0.36% | -1.87% | +311 bps | |
| Deposit Growth (YoY) | 5.80% | 4.13% | 2.41% | -1.45% | 0.83% | 2.96% | 2.68% | 3.76% | +521 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.24% | 0.09% | 0.08% | 0.08% | 0.43% | 0.11% | 0.61% | +54 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.10% | -0.08% | 0.02% | 0.02% | 0.04% | 0.00% | +8 bps | |
| Allowance / Loans | 1.38% | 1.40% | 1.41% | 1.39% | 1.35% | 1.22% | 1.16% | 2.30% | +92 bps | |
| Allowance Coverage of NPLs | 43.3x | 5.8x | 15.3x | 18.0x | 17.1x | 2.8x | 10.8x | 3.8x | -14.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.86% | 8.09% | 8.06% | 8.08% | 8.31% | 8.42% | 8.36% | 7.26% | -82 bps | |
| Total Risk-Based Capital | 11.80% | 12.33% | 12.10% | 12.78% | 12.87% | 13.42% | 13.39% | 11.18% | -160 bps | |
| Equity / Assets | 7.98% | 7.98% | 7.96% | 8.14% | 8.40% | 8.56% | 8.43% | 14.74% | +660 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.36% | 86.24% | 83.51% | 85.49% | 83.34% | 82.15% | 81.04% | 80.85% | -464 bps | |
| Liquid Assets / Assets | 1.97% | 1.96% | 1.52% | 1.51% | 2.30% | 2.16% | 1.03% | 0.01% | -149 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 350% | 343% | n/a | n/a | |