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 | |