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CNB St. Louis Bank

Maplewood, MO · Cert 4549 · Cardinal Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$812.9MAssets
$659.2MLoans
$696.8MDeposits
$63.7MEquity
Loan mix
75%RE $518.8M24%C&I $167.4M1%Consumer $3.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $564.8M19%Noninterest $132.0MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.57%Q2 ’255.59%Q2 ’26+13%+12%

Non-interest income vs. expense

2.16%Q2 ’242.23%Q2 ’252.24%Q2 ’26+2%+0%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #38 of 111 inst. · $0.7B of $141.7B

1.2% St. Louis
1.0% St. Charles

Executive Summary

  • Earnings: ROA of 1.05%, up 27 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.57% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.29%, up 69 bps from a year ago.
  • Funding: loans stand at 94.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.05%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+36 bps YoY

Efficiency Ratio (quarter, annualized)

60.95%-653 bps YoY

Tier 1 Leverage Ratio

9.29%+69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%1.07%1.10%1.08%1.05%+27 bps
Return on Equity12.16%16.22%15.76%14.86%13.89%+173 bps
Net Interest Margin3.10%3.26%3.25%3.34%3.46%+36 bps
Efficiency Ratio67.48%58.16%57.25%58.74%60.95%-653 bps
Non-Interest Burden2.02%1.81%1.77%1.88%2.02%0 bps
Growth
Asset Growth (YoY)8.46%11.06%4.81%2.31%-3.22%-1,168 bps
Loan Growth (YoY)12.46%14.61%7.75%4.65%-1.48%-1,394 bps
Deposit Growth (YoY)12.77%14.65%4.59%7.28%-3.59%-1,636 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.78%0.66%0.57%0.57%+4 bps
Net Charge-Offs / Loans-0.15%0.00%0.00%0.00%0.00%+15 bps
Allowance / Loans1.73%1.69%1.75%1.79%1.89%+16 bps
Allowance Coverage of NPLs3.3x2.2x2.7x3.1x3.3x+0.1x
Capital
Tier 1 Leverage Ratio8.61%8.48%8.65%8.96%9.29%+69 bps
Total Risk-Based Capital11.37%11.19%11.61%11.68%9.29%-208 bps
Equity / Assets6.48%6.73%7.19%7.33%7.84%+135 bps
Liquidity & Funding
Loans / Deposits92.58%89.86%96.48%94.11%94.60%+203 bps
Liquid Assets / Assets4.28%5.28%4.11%4.16%4.16%-12 bps
CRE / Total Capitaln/a571%531%529%n/an/a