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
Unfavorable gap of $4.8M · efficiency ratio beats 47% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |