Saint Louis, MO · Cert 58018 · St Louis Bancshares Inc.
State charter, non-member · FDIC · 2 branches
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
50
Profitability
34
Liquidity
75
Efficiency
60
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 Louis, MO · Cert 58018 · St Louis Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.7% share · #23 of 111 inst. · $1.0B 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 | 0.98% | 0.98% | 1.01% | 0.98% | 0.94% | 0.98% | 0.99% | 0.92% | -6 bps | |
| Return on Equity | 11.75% | 11.66% | 12.14% | 11.76% | 11.05% | 11.31% | 11.54% | 10.71% | -105 bps | |
| Net Interest Margin | 3.16% | 3.21% | 3.05% | 3.13% | 3.18% | 3.31% | 3.20% | 3.18% | +5 bps | |
| Efficiency Ratio | 59.54% | 60.12% | 61.35% | 59.87% | 59.71% | 58.81% | 56.31% | 56.82% | -305 bps | |
| Non-Interest Burden | 1.75% | 1.80% | 1.69% | 1.71% | 1.75% | 1.82% | 1.73% | 1.78% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | 0.52% | 9.45% | 9.29% | 9.08% | 6.67% | 9.59% | 5.43% | -386 bps | |
| Loan Growth (YoY) | -0.97% | 4.35% | 5.40% | 8.85% | 11.98% | 8.71% | 14.35% | 12.41% | +356 bps | |
| Deposit Growth (YoY) | -2.07% | 1.36% | 12.08% | 11.80% | 10.41% | 7.39% | 9.72% | 5.35% | -645 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 0.83% | 0.80% | 1.57% | 1.91% | 1.91% | 2.05% | 2.87% | +130 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.01% | 0.03% | 0.35% | -0.03% | -0.02% | -3 bps | |
| Allowance / Loans | 1.46% | 1.43% | 1.49% | 1.53% | 1.54% | 1.21% | 1.24% | 1.30% | -23 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.7x | 1.9x | 1.0x | 0.8x | 0.6x | 0.6x | 0.5x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.48% | 8.46% | 8.63% | 9.06% | 9.49% | 8.60% | 8.81% | +18 bps | |
| Total Risk-Based Capital | 11.40% | 11.23% | 11.11% | 11.45% | 11.51% | 11.44% | 11.14% | 11.25% | -19 bps | |
| Equity / Assets | 9.00% | 8.73% | 8.01% | 8.39% | 9.04% | 9.20% | 8.04% | 8.64% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.38% | 94.09% | 81.01% | 85.60% | 93.70% | 95.25% | 84.43% | 91.34% | +574 bps | |
| Liquid Assets / Assets | 0.97% | 0.47% | 2.87% | 5.01% | 1.67% | 0.64% | 4.91% | 2.69% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 496% | 498% | 514% | n/a | n/a | |
Saint Louis, MO · Cert 58018 · Peer group: banks $1B-$10B in assets (n=322-328) · St Louis Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.91%
Rank 245 of 328
Net Interest Margin
3.18%
Rank 217 of 328
Efficiency Ratio
56.82%
Rank 132 of 328
Equity / Assets
8.64%
Rank 278 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.91% | 1.22% | 1.52% | Beats 25% | 245 / 328 | ||
| Return on Equity | 10.58% | 8.43% | 11.45% | 14.43% | Beats 42% | 191 / 328 | ||
| Net Interest Margin | 3.18% | 3.03% | 3.45% | 3.83% | Beats 34% | 217 / 328 | ||
| Efficiency Ratio | 56.82% | 51.61% | 59.56% | 67.53% | Beats 60% | 132 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.87% | 0.24% | 0.51% | 1.03% | Beats 6% | 305 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 94% | 23 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 11.75% | 13.15% | 15.47% | Beats 5% | 312 / 328 | ||
| Total Risk-Based Capital Ratio | 11.25% | 12.63% | 14.15% | 16.46% | Beats 12% | 290 / 328 | ||
| Equity / Assets | 8.64% | 9.15% | 10.33% | 12.01% | Beats 15% | 278 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.34% | 76.63% | 87.92% | 95.36% | 63rd pctl | 121 / 323 | ||
| Loans / Assets | 81.94% | 65.18% | 74.15% | 79.98% | 82nd pctl | 60 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||