Saint Jacob, IL · Cert 5730
FDIC · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=39 to 41). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
18
Profitability
75
Liquidity
17
Efficiency
100
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.
Saint Jacob, IL · Cert 5730
FDIC · 2 branches
Q4 2025
Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.1% share · #83 of 114 inst. · $0.1B of $134.5B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 0.90% | 0.68% | 0.60% | 1.12% | 1.27% | 0.96% | 1.45% | +85 bps | |
| Return on Equity | 9.04% | 6.70% | 4.97% | 4.41% | 8.22% | 9.23% | 6.82% | 10.10% | +569 bps | |
| Net Interest Margin | 3.23% | 3.25% | 3.37% | 3.36% | 3.51% | 3.58% | 3.68% | 3.74% | +38 bps | |
| Efficiency Ratio | 37.94% | 38.89% | 39.96% | 44.82% | 36.64% | 36.65% | 37.50% | 36.43% | -840 bps | |
| Non-Interest Burden | 1.14% | 1.17% | 1.26% | 1.43% | 1.21% | 1.24% | 1.30% | 1.01% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.02% | 0.73% | 1.13% | 7.76% | 6.00% | 6.32% | 4.03% | -1.15% | -891 bps | |
| Loan Growth (YoY) | 3.76% | 1.69% | 1.03% | -0.24% | -2.87% | -6.09% | -9.80% | -11.19% | -1,095 bps | |
| Deposit Growth (YoY) | -5.03% | -0.93% | -0.91% | 7.69% | 5.61% | 5.55% | 3.43% | -3.59% | -1,128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.07% | 1.90% | 1.79% | 0.94% | 1.06% | 1.87% | 2.03% | 1.95% | +100 bps | |
| Net Charge-Offs / Loans | 0.47% | 2.48% | 2.44% | 2.42% | 0.97% | 0.68% | 1.70% | 1.62% | -80 bps | |
| Allowance / Loans | 2.98% | 2.49% | 2.68% | 2.64% | 2.89% | 3.24% | 3.43% | 3.24% | +60 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.3x | 1.5x | 2.8x | 2.7x | 1.7x | 1.7x | 1.7x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.18% | 14.82% | 14.93% | 14.61% | 14.51% | 14.57% | 14.70% | 15.67% | +105 bps | |
| Total Risk-Based Capital | 15.18% | 14.82% | 14.93% | 14.61% | 14.51% | 14.57% | 14.70% | 15.67% | +105 bps | |
| Equity / Assets | 13.48% | 13.35% | 14.21% | 13.43% | 13.86% | 14.02% | 14.73% | 15.58% | +215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.89% | 64.17% | 67.07% | 62.20% | 60.60% | 57.10% | 58.49% | 57.30% | -490 bps | |
| Liquid Assets / Assets | 5.85% | 4.30% | 4.10% | 3.62% | 3.60% | 3.24% | 3.38% | 3.10% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 62.61% | 56.80% | n/a | |
Saint Jacob, IL · Cert 5730 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=39-41)
FDIC · 2 branches
Q4 2025
Return on Assets
1.47%
Rank 5 of 41
Net Interest Margin
3.74%
Rank 7 of 41
Efficiency Ratio
36.43%
Rank 1 of 41
Equity / Assets
15.58%
Rank 5 of 41
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.62% | 0.94% | 1.16% | Beats 88% | 5 / 41 | ||
| Return on Equity | 9.42% | 6.56% | 8.56% | 11.10% | Beats 54% | 19 / 41 | ||
| Net Interest Margin | 3.74% | 2.76% | 3.15% | 3.46% | Beats 83% | 7 / 41 | ||
| Efficiency Ratio | 36.43% | 57.04% | 64.80% | 75.42% | Beats 100% | 1 / 41 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.95% | 0.14% | 0.54% | 1.91% | Beats 18% | 33 / 39 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.67% | 10.57% | 12.39% | 16.40% | Beats 68% | 13 / 41 | ||
| Total Risk-Based Capital Ratio | 15.67% | 11.65% | 13.39% | 17.06% | Beats 68% | 13 / 41 | ||
| Equity / Assets | 15.58% | 8.56% | 9.50% | 11.75% | Beats 88% | 5 / 41 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.30% | 65.08% | 78.65% | 96.48% | 13th pctl | 34 / 39 | ||
| Loans / Assets | 48.28% | 54.17% | 68.63% | 76.72% | 13th pctl | 34 / 39 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.67% | Beats 100% | 27 / 41 | ||