Mount Vernon, IL · Cert 3809 · Market Street Bancshares Inc.
National charter · OCC · 23 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
28
Profitability
62
Liquidity
13
Efficiency
41
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.
Mount Vernon, IL · Cert 3809 · Market Street Bancshares Inc.
National charter · OCC · 23 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #64 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 | 0.86% | 0.95% | 1.01% | 1.17% | 1.18% | 1.24% | 1.31% | 1.16% | 0 bps | |
| Return on Equity | 10.33% | 11.46% | 12.18% | 13.92% | 14.01% | 14.62% | 14.85% | 13.29% | -63 bps | |
| Net Interest Margin | 3.30% | 3.28% | 3.53% | 3.64% | 3.63% | 3.62% | 3.88% | 3.96% | +33 bps | |
| Efficiency Ratio | 68.83% | 66.72% | 66.57% | 63.41% | 62.38% | 60.39% | 61.77% | 62.07% | -134 bps | |
| Non-Interest Burden | 2.08% | 1.99% | 2.16% | 2.05% | 2.01% | 1.93% | 2.14% | 2.22% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.44% | 12.59% | 9.30% | 7.55% | 8.38% | 4.61% | 6.97% | 11.05% | +350 bps | |
| Loan Growth (YoY) | 13.15% | 11.32% | 8.17% | 8.37% | 8.54% | 8.99% | 8.77% | 8.63% | +26 bps | |
| Deposit Growth (YoY) | 5.22% | 15.04% | 10.75% | 10.42% | 9.02% | 3.47% | 7.97% | 8.25% | -217 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.85% | 0.79% | 0.80% | 1.11% | 0.68% | 0.99% | 0.84% | +4 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.02% | 0.10% | 0.05% | 0.03% | 0.09% | -0.01% | 0.23% | +18 bps | |
| Allowance / Loans | 1.23% | 1.19% | 1.19% | 1.19% | 1.20% | 1.20% | 1.24% | 1.19% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.5x | 1.5x | 1.1x | 1.8x | 1.2x | 1.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.07% | 9.09% | 9.19% | 9.09% | 9.17% | 9.18% | 9.26% | +7 bps | |
| Total Risk-Based Capital | 10.77% | 10.75% | 10.94% | 10.84% | 10.70% | 10.89% | 11.13% | 10.93% | +9 bps | |
| Equity / Assets | 8.49% | 8.13% | 8.46% | 8.59% | 8.55% | 8.81% | 8.87% | 8.61% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.42% | 97.18% | 97.91% | 99.40% | 98.99% | 102.37% | 98.63% | 99.75% | +35 bps | |
| Liquid Assets / Assets | 0.35% | 3.51% | 2.78% | 0.27% | 0.90% | 0.41% | 1.71% | 2.93% | +266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 456% | 435% | 431% | n/a | n/a | |
Mount Vernon, IL · Cert 3809 · Peer group: banks $1B-$10B in assets (n=322-328) · Market Street Bancshares Inc.
National charter · OCC · 23 branches
Q2 2026
Return on Assets
1.13%
Rank 193 of 328
Net Interest Margin
3.96%
Rank 63 of 328
Efficiency Ratio
62.07%
Rank 194 of 328
Equity / Assets
8.61%
Rank 281 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.91% | 1.22% | 1.52% | Beats 41% | 193 / 328 | ||
| Return on Equity | 13.17% | 8.43% | 11.45% | 14.43% | Beats 65% | 114 / 328 | ||
| Net Interest Margin | 3.96% | 3.03% | 3.45% | 3.83% | Beats 81% | 63 / 328 | ||
| Efficiency Ratio | 62.07% | 51.61% | 59.56% | 67.53% | Beats 41% | 194 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.24% | 0.51% | 1.03% | Beats 32% | 221 / 322 | ||
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 23% | 248 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.75% | 11.75% | 13.15% | 15.47% | Beats 3% | 319 / 328 | ||
| Total Risk-Based Capital Ratio | 10.93% | 12.63% | 14.15% | 16.46% | Beats 8% | 302 / 328 | ||
| Equity / Assets | 8.61% | 9.15% | 10.33% | 12.01% | Beats 14% | 281 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.75% | 76.63% | 87.92% | 95.36% | 85th pctl | 49 / 323 | ||
| Loans / Assets | 88.27% | 65.18% | 74.15% | 79.98% | 97th pctl | 11 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||