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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 1.12% | 1.27% | 0.96% | 1.45% | +85 bps | |
| Return on Equity | 4.41% | 8.22% | 9.23% | 6.82% | 10.10% | +569 bps | |
| Net Interest Margin | 3.36% | 3.51% | 3.58% | 3.68% | 3.74% | +38 bps | |
| Efficiency Ratio | 44.82% | 36.64% | 36.65% | 37.50% | 36.43% | -840 bps | |
| Non-Interest Burden | 1.43% | 1.21% | 1.24% | 1.30% | 1.01% | -42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.76% | 6.00% | 6.32% | 4.03% | -1.15% | -891 bps | |
| Loan Growth (YoY) | -0.24% | -2.87% | -6.09% | -9.80% | -11.19% | -1,095 bps | |
| Deposit Growth (YoY) | 7.69% | 5.61% | 5.55% | 3.43% | -3.59% | -1,128 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.94% | 1.06% | 1.87% | 2.03% | 1.95% | +100 bps | |
| Net Charge-Offs / Loans | 2.42% | 0.97% | 0.68% | 1.70% | 1.62% | -80 bps | |
| Allowance / Loans | 2.64% | 2.89% | 3.24% | 3.43% | 3.24% | +60 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.7x | 1.7x | 1.7x | 1.7x | -1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.61% | 14.51% | 14.57% | 14.70% | 15.67% | +105 bps | |
| Total Risk-Based Capital | 14.61% | 14.51% | 14.57% | 14.70% | 15.67% | +105 bps | |
| Equity / Assets | 13.43% | 13.86% | 14.02% | 14.73% | 15.58% | +215 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.20% | 60.60% | 57.10% | 58.49% | 57.30% | -490 bps | |
| Liquid Assets / Assets | 3.62% | 3.60% | 3.24% | 3.38% | 3.10% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 62.61% | 56.80% | n/a | |