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 | |