Saint Louis, MO · Cert 28390
State savings bank · OCC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #108 of 111 inst. · $0.0B 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 | 14.66% | -0.24% | 10.25% | 9.22% | 10.67% | 13.05% | 3.65% | 13.27% | +405 bps | |
| Return on Equity | 15.90% | -0.26% | 11.10% | 10.02% | 11.70% | 14.23% | 3.97% | 14.53% | +452 bps | |
| Net Interest Margin | 3.69% | 3.57% | 3.35% | 3.32% | 3.49% | 3.41% | 3.20% | 3.30% | -2 bps | |
| Efficiency Ratio | 80.81% | 81.16% | 81.29% | 77.10% | 79.86% | 69.43% | 84.31% | 73.95% | -315 bps | |
| Non-Interest Burden | -6.44% | -6.45% | -7.10% | -8.75% | -8.16% | -13.17% | -5.92% | -12.13% | -338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.72% | 6.44% | 8.85% | 9.58% | 10.90% | 12.06% | 11.71% | 12.21% | +263 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 98.42% | 96.77% | 96.71% | 93.42% | 97.01% | 97.26% | 96.63% | 98.18% | +476 bps | |
| Total Risk-Based Capital | 364% | 353% | 346% | 354% | 345% | 361% | 345% | 356% | +144 bps | |
| Equity / Assets | 92.47% | 92.73% | 92.08% | 91.91% | 90.44% | 93.08% | 91.07% | 91.53% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 32.70% | 33.52% | 34.06% | 35.47% | 36.45% | 36.71% | 37.80% | 36.04% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |