Saint Louis Bank
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
$1.1BAssets
$909.1MLoans
$995.3MDeposits
$95.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets (rank 23 of 322).
- Widest gap: tier 1 capital ratio trails 95% of banks $1B-$10B in assets (rank 312 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.1M · efficiency ratio beats 60% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |