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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.59% | 0.23% | 0.38% | 1.12% | 1.42% | 0.31% | 2.94% | +256 bps | |
| Return on Equity | 9.04% | 4.41% | 1.66% | 2.72% | 8.22% | 10.22% | 2.15% | 19.37% | +1,665 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.56% | 3.49% | 3.51% | 3.73% | 3.78% | 3.71% | +22 bps | |
| Efficiency Ratio | 37.94% | 39.79% | 41.96% | 58.74% | 36.64% | 36.65% | 39.14% | 34.19% | -2,455 bps | |
| Non-Interest Burden | 1.14% | 1.23% | 1.42% | 2.00% | 1.21% | 1.29% | 1.40% | 0.04% | -195 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% | 4.49% | 2.42% | 2.23% | 0.97% | 0.36% | 3.69% | 1.22% | -101 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 | |