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 | |