Saint Charles, MO · Cert 35597 · Lincoln County Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
87
Profitability
45
Liquidity
71
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Charles, MO · Cert 35597 · Lincoln County Bcorp Inc.
State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #72 of 111 inst. · $0.2B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.52% | 0.43% | 0.50% | 0.57% | 0.60% | 0.81% | 0.80% | +31 bps | |
| Return on Equity | 5.23% | 5.71% | 5.03% | 5.69% | 6.50% | 6.76% | 9.07% | 8.96% | +327 bps | |
| Net Interest Margin | 2.99% | 2.85% | 3.07% | 3.18% | 3.27% | 3.23% | 3.33% | 3.37% | +18 bps | |
| Efficiency Ratio | 80.42% | 78.89% | 81.85% | 79.91% | 77.00% | 76.52% | 69.24% | 68.67% | -1,124 bps | |
| Non-Interest Burden | 2.40% | 2.24% | 2.52% | 2.54% | 2.52% | 2.47% | 2.29% | 2.29% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.46% | 15.08% | 16.63% | 10.66% | 3.06% | 1.33% | 5.35% | 6.60% | -406 bps | |
| Loan Growth (YoY) | 7.55% | 10.60% | 11.96% | 6.93% | 11.42% | 12.04% | 9.35% | 18.16% | +1,123 bps | |
| Deposit Growth (YoY) | 12.13% | 15.87% | 17.61% | 10.94% | 2.68% | 0.53% | 5.17% | 6.69% | -426 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | -0.01% | -0.02% | -0.03% | -3 bps | |
| Allowance / Loans | 1.04% | 0.99% | 0.97% | 0.96% | 0.90% | 0.88% | 0.89% | 0.92% | -5 bps | |
| 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 | 9.42% | 9.02% | 9.14% | 9.40% | 9.44% | 9.21% | 9.21% | 9.25% | -14 bps | |
| Total Risk-Based Capital | 11.93% | 11.77% | 11.72% | 12.02% | 11.24% | 10.95% | 11.01% | 9.25% | -277 bps | |
| Equity / Assets | 8.88% | 8.49% | 8.58% | 9.11% | 9.17% | 9.16% | 8.65% | 9.08% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.10% | 74.36% | 75.25% | 76.51% | 82.58% | 82.87% | 78.24% | 84.74% | +823 bps | |
| Liquid Assets / Assets | 10.14% | 9.96% | 9.56% | 8.28% | 3.84% | 2.57% | 8.30% | 3.78% | -450 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 520% | 532% | 539% | n/a | n/a | |
Saint Charles, MO · Cert 35597 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Lincoln County Bcorp Inc.
State charter, Fed member · FED · 3 affiliate banks · 3 branches (23 in holding)
Q2 2026
Return on Assets
0.80%
Rank 27 of 40
Net Interest Margin
3.37%
Rank 16 of 40
Efficiency Ratio
69.64%
Rank 26 of 40
Equity / Assets
9.08%
Rank 26 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.64% | 1.04% | 1.26% | Beats 33% | 27 / 40 | ||
| Return on Equity | 8.84% | 6.25% | 9.97% | 13.41% | Beats 43% | 23 / 40 | ||
| Net Interest Margin | 3.37% | 3.09% | 3.22% | 3.62% | Beats 60% | 16 / 40 | ||
| Efficiency Ratio | 69.64% | 57.08% | 64.37% | 75.86% | Beats 37% | 26 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.62% | 1.92% | Beats 100% | 2 / 38 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 74% | 11 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.25% | 10.29% | 12.88% | 15.77% | Beats 0% | 40 / 40 | ||
| Total Risk-Based Capital Ratio | 9.25% | 10.64% | 13.30% | 17.01% | Beats 0% | 40 / 40 | ||
| Equity / Assets | 9.08% | 8.59% | 9.46% | 12.46% | Beats 35% | 26 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.74% | 66.12% | 79.48% | 94.60% | 60th pctl | 16 / 40 | ||
| Loans / Assets | 76.61% | 54.69% | 68.52% | 77.46% | 73rd pctl | 11 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||