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 | |