PackageTrendsPeer
Letter portraitLegal landscape

1st Advantage Bank

Saint Peters, MO · Cert 57899 · Banc Investors LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

1st Advantage Bank

Saint Peters, MO · Cert 57899 · Banc Investors LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$212.0MAssets
$164.2MLoans
$190.9MDeposits
$20.1MEquity
Loan mix
87%RE $150.0M12%C&I $20.5M1%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $141.0M26%Noninterest $49.9MQ2 2025Q2 2026

NIM

5.56%Q2 ’245.72%Q2 ’255.79%Q2 ’26-5%+5%

Non-interest income vs. expense

2.77%Q2 ’242.48%Q2 ’252.52%Q2 ’26-10%+1%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #67 of 111 inst. · $0.2B of $141.7B

Executive Summary

  • Earnings: ROA of 1.05%, up 101 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.14% of loans (-115 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.88%, up 11 bps from a year ago.
  • Funding: loans stand at 86.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+101 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+17 bps YoY

Efficiency Ratio (YTD, annualized)

64.88%-207 bps YoY

Tier 1 Leverage Ratio

9.88%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.28%0.26%1.05%1.05%+101 bps
Return on Equity0.38%2.98%2.76%11.48%11.32%+1,094 bps
Net Interest Margin3.54%3.34%3.36%3.53%3.71%+17 bps
Efficiency Ratio66.95%65.62%64.80%64.85%64.88%-207 bps
Non-Interest Burden2.32%2.14%2.12%2.23%2.35%+3 bps
Growth
Asset Growth (YoY)18.19%15.07%17.33%13.01%5.46%-1,273 bps
Loan Growth (YoY)20.15%17.58%11.39%8.17%-6.42%-2,656 bps
Deposit Growth (YoY)14.29%9.63%18.84%17.35%11.67%-262 bps
Asset Quality
Nonperforming Loans / Loans1.29%1.30%0.33%0.05%0.14%-115 bps
Net Charge-Offs / Loans0.00%0.00%0.95%0.17%0.09%+9 bps
Allowance / Loans1.74%1.88%1.25%1.21%1.25%-49 bps
Allowance Coverage of NPLs1.4x1.4x3.8x24.7x9.2x+7.8x
Capital
Tier 1 Leverage Ratio9.77%9.11%8.99%9.31%9.88%+11 bps
Total Risk-Based Capital9.77%9.11%11.80%12.27%9.88%+11 bps
Equity / Assets9.18%9.02%8.80%9.47%9.46%+28 bps
Liquidity & Funding
Loans / Deposits102.64%97.36%90.34%93.31%86.02%-1,662 bps
Liquid Assets / Assets8.93%14.05%14.45%12.21%17.44%+851 bps
CRE / Total Capitaln/a689%705%682%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

1st Advantage Bank

Saint Peters, MO · Cert 57899 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Banc Investors LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$212.0MAssets
$164.2MLoans
$190.9MDeposits
$20.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in the St. Louis, MO-IL area (rank 8 of 40).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets in the St. Louis, MO-IL area (rank 35 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.04%

Rank 20 of 40

Net Interest Margin

3.71%

Rank 8 of 40

Efficiency Ratio

64.88%

Rank 22 of 40

Equity / Assets

9.46%

Rank 20 of 40

Non-interest income vs. expense

$0.4M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 47% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 64.88%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.64%1.04%1.26%Beats 50%20 / 40
Return on Equity11.01%6.25%9.97%13.41%Beats 57%17 / 40
Net Interest Margin3.71%3.09%3.22%3.62%Beats 80%8 / 40
Efficiency Ratio64.88%57.08%64.37%75.86%Beats 47%22 / 40
Asset Quality
Nonperforming Loans / Loans0.14%0.14%0.62%1.92%Beats 76%10 / 38
Net Charge-Offs / Loans0.05%0.00%0.01%0.09%Beats 29%28 / 38
Capital
Tier 1 Capital Ratio9.88%10.29%12.88%15.77%Beats 15%34 / 40
Total Risk-Based Capital Ratio9.88%10.64%13.30%17.01%Beats 13%35 / 40
Equity / Assets9.46%8.59%9.46%12.46%Beats 50%20 / 40
Liquidity & Funding
Loans / Deposits86.02%66.12%79.48%94.60%65th pctl14 / 40
Loans / Assets77.46%54.69%68.52%77.46%75th pctl10 / 40
Brokered Deposits / Depositsn/aNot reported for this institution