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CNB St. Louis Bank

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

$812.9MAssets
$659.2MLoans
$696.8MDeposits
$63.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the St. Louis, MO-IL area (rank 9 of 38).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the St. Louis, MO-IL area (rank 39 of 40).
  • Overall: at or above the peer median on 6 of 9 directional measures.

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

Non-interest income vs. expense

$1.8M$18.4MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 70% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 59.86%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.64%1.04%1.26%Beats 60%16 / 40
Return on Equity14.08%6.25%9.97%13.41%Beats 88%5 / 40
Net Interest Margin3.43%3.09%3.22%3.62%Beats 70%12 / 40
Efficiency Ratio59.86%57.08%64.37%75.86%Beats 70%13 / 40
Asset Quality
Nonperforming Loans / Loans0.57%0.14%0.62%1.92%Beats 61%16 / 38
Net Charge-Offs / Loans0.00%0.00%0.01%0.09%Beats 100%9 / 38
Capital
Tier 1 Capital Ratio9.29%10.29%12.88%15.77%Beats 3%39 / 40
Total Risk-Based Capital Ratio9.29%10.64%13.30%17.01%Beats 3%39 / 40
Equity / Assets7.84%8.59%9.46%12.46%Beats 15%34 / 40
Liquidity & Funding
Loans / Deposits94.60%66.12%79.48%94.60%75th pctl10 / 40
Loans / Assets81.09%54.69%68.52%77.46%85th pctl6 / 40
Brokered Deposits / Depositsn/aNot reported for this institution