Saint Peters, MO · Cert 57899 · Banc Investors LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
26
Asset Quality
53
Profitability
62
Liquidity
65
Efficiency
47
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 Peters, MO · Cert 57899 · Banc Investors LLC
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #67 of 111 inst. · $0.2B 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 | 1.11% | 1.11% | 0.35% | 0.04% | 0.28% | 0.26% | 1.05% | 1.05% | +101 bps | |
| Return on Equity | 10.78% | 10.82% | 3.51% | 0.38% | 2.98% | 2.76% | 11.48% | 11.32% | +1,094 bps | |
| Net Interest Margin | 3.62% | 3.38% | 3.52% | 3.54% | 3.34% | 3.36% | 3.53% | 3.71% | +17 bps | |
| Efficiency Ratio | 69.89% | 68.43% | 66.63% | 66.95% | 65.62% | 64.80% | 64.85% | 64.88% | -207 bps | |
| Non-Interest Burden | 2.48% | 2.26% | 2.29% | 2.32% | 2.14% | 2.12% | 2.23% | 2.35% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.83% | 20.79% | 16.87% | 18.19% | 15.07% | 17.33% | 13.01% | 5.46% | -1,273 bps | |
| Loan Growth (YoY) | 5.80% | 14.42% | 13.36% | 20.15% | 17.58% | 11.39% | 8.17% | -6.42% | -2,656 bps | |
| Deposit Growth (YoY) | 23.78% | 24.14% | 15.87% | 14.29% | 9.63% | 18.84% | 17.35% | 11.67% | -262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.31% | 1.29% | 1.30% | 0.33% | 0.05% | 0.14% | -115 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.95% | 0.17% | 0.09% | +9 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.44% | 1.74% | 1.88% | 1.25% | 1.21% | 1.25% | -49 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.1x | 1.4x | 1.4x | 3.8x | 24.7x | 9.2x | +7.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 9.89% | 10.06% | 9.77% | 9.11% | 8.99% | 9.31% | 9.88% | +11 bps | |
| Total Risk-Based Capital | 10.52% | 9.89% | 10.06% | 9.77% | 9.11% | 11.80% | 12.27% | 9.88% | +11 bps | |
| Equity / Assets | 9.80% | 9.99% | 10.18% | 9.18% | 9.02% | 8.80% | 9.47% | 9.46% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.77% | 96.38% | 101.23% | 102.64% | 97.36% | 90.34% | 93.31% | 86.02% | -1,662 bps | |
| Liquid Assets / Assets | 14.88% | 10.56% | 8.30% | 8.93% | 14.05% | 14.45% | 12.21% | 17.44% | +851 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 689% | 705% | 682% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | 0.64% | 1.04% | 1.26% | Beats 50% | 20 / 40 | ||
| Return on Equity | 11.01% | 6.25% | 9.97% | 13.41% | Beats 57% | 17 / 40 | ||
| Net Interest Margin | 3.71% | 3.09% | 3.22% | 3.62% | Beats 80% | 8 / 40 | ||
| Efficiency Ratio | 64.88% | 57.08% | 64.37% | 75.86% | Beats 47% | 22 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.62% | 1.92% | Beats 76% | 10 / 38 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.09% | Beats 29% | 28 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 10.29% | 12.88% | 15.77% | Beats 15% | 34 / 40 | ||
| Total Risk-Based Capital Ratio | 9.88% | 10.64% | 13.30% | 17.01% | Beats 13% | 35 / 40 | ||
| Equity / Assets | 9.46% | 8.59% | 9.46% | 12.46% | Beats 50% | 20 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.02% | 66.12% | 79.48% | 94.60% | 65th pctl | 14 / 40 | ||
| Loans / Assets | 77.46% | 54.69% | 68.52% | 77.46% | 75th pctl | 10 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||