Maplewood, MO · Cert 4549 · Cardinal Bcorp Inc.
State charter, non-member · FDIC · 6 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
7
Asset Quality
81
Profitability
73
Liquidity
23
Efficiency
70
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.
Maplewood, MO · Cert 4549 · Cardinal Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #38 of 111 inst. · $0.7B 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 | 0.57% | 0.62% | 0.76% | 0.77% | 0.87% | 0.93% | 1.08% | 1.07% | +30 bps | |
| Return on Equity | 9.12% | 10.05% | 12.05% | 12.13% | 13.50% | 14.18% | 14.86% | 14.37% | +224 bps | |
| Net Interest Margin | 2.71% | 2.74% | 2.98% | 3.01% | 3.02% | 3.08% | 3.34% | 3.43% | +42 bps | |
| Efficiency Ratio | 74.29% | 72.97% | 67.08% | 67.29% | 64.01% | 62.23% | 58.74% | 59.86% | -743 bps | |
| Non-Interest Burden | 1.96% | 1.95% | 1.94% | 1.96% | 1.86% | 1.84% | 1.88% | 1.97% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.28% | 5.90% | 8.71% | 8.46% | 11.06% | 4.81% | 2.31% | -3.22% | -1,168 bps | |
| Loan Growth (YoY) | 7.55% | 9.34% | 12.79% | 12.46% | 14.61% | 7.75% | 4.65% | -1.48% | -1,394 bps | |
| Deposit Growth (YoY) | 6.11% | 5.46% | 11.91% | 12.77% | 14.65% | 4.59% | 7.28% | -3.59% | -1,636 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.71% | 0.57% | 0.53% | 0.78% | 0.66% | 0.57% | 0.57% | +4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | -0.08% | -0.05% | -0.04% | 0.00% | 0.00% | +8 bps | |
| Allowance / Loans | 1.81% | 1.72% | 1.69% | 1.73% | 1.69% | 1.75% | 1.79% | 1.89% | +16 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.4x | 3.0x | 3.3x | 2.2x | 2.7x | 3.1x | 3.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.65% | 8.65% | 8.61% | 8.48% | 8.65% | 8.96% | 9.29% | +69 bps | |
| Total Risk-Based Capital | 11.84% | 11.45% | 11.21% | 11.37% | 11.19% | 11.61% | 11.68% | 9.29% | -208 bps | |
| Equity / Assets | 6.75% | 6.18% | 6.35% | 6.48% | 6.73% | 7.19% | 7.33% | 7.84% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.89% | 93.65% | 96.48% | 92.58% | 89.86% | 96.48% | 94.11% | 94.60% | +203 bps | |
| Liquid Assets / Assets | 4.31% | 4.23% | 4.13% | 4.28% | 5.28% | 4.11% | 4.16% | 4.16% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 571% | 531% | 529% | n/a | n/a | |
Maplewood, MO · Cert 4549 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Cardinal Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.10%
Rank 16 of 40
Net Interest Margin
3.43%
Rank 12 of 40
Efficiency Ratio
59.86%
Rank 13 of 40
Equity / Assets
7.84%
Rank 34 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.64% | 1.04% | 1.26% | Beats 60% | 16 / 40 | ||
| Return on Equity | 14.08% | 6.25% | 9.97% | 13.41% | Beats 88% | 5 / 40 | ||
| Net Interest Margin | 3.43% | 3.09% | 3.22% | 3.62% | Beats 70% | 12 / 40 | ||
| Efficiency Ratio | 59.86% | 57.08% | 64.37% | 75.86% | Beats 70% | 13 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.14% | 0.62% | 1.92% | Beats 61% | 16 / 38 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.09% | Beats 100% | 9 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.29% | 10.29% | 12.88% | 15.77% | Beats 3% | 39 / 40 | ||
| Total Risk-Based Capital Ratio | 9.29% | 10.64% | 13.30% | 17.01% | Beats 3% | 39 / 40 | ||
| Equity / Assets | 7.84% | 8.59% | 9.46% | 12.46% | Beats 15% | 34 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.60% | 66.12% | 79.48% | 94.60% | 75th pctl | 10 / 40 | ||
| Loans / Assets | 81.09% | 54.69% | 68.52% | 77.46% | 85th pctl | 6 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||