Saint Thomas, VI · Cert 58184
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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
57
Profitability
68
Liquidity
43
Efficiency
86
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 Thomas, VI · Cert 58184
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.74% | 1.67% | 1.36% | 1.42% | 1.44% | 1.41% | 1.49% | 1.50% | +8 bps | |
| Return on Equity | 47.60% | 46.11% | 36.65% | 39.78% | 36.49% | 32.64% | 27.32% | 26.07% | -1,371 bps | |
| Net Interest Margin | 3.74% | 3.64% | 3.19% | 3.00% | 3.09% | 3.11% | 3.28% | 3.28% | +29 bps | |
| Efficiency Ratio | 44.28% | 45.42% | 50.34% | 49.80% | 49.49% | 50.22% | 49.58% | 49.76% | -4 bps | |
| Non-Interest Burden | 1.46% | 1.47% | 1.42% | 1.33% | 1.36% | 1.39% | 1.38% | 1.42% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -6.97% | 3.82% | 0.25% | 7.59% | 4.13% | 7.02% | 4.16% | +391 bps | |
| Loan Growth (YoY) | 8.08% | 6.22% | 4.99% | 11.17% | 13.71% | 18.29% | 18.72% | 18.55% | +738 bps | |
| Deposit Growth (YoY) | -5.85% | -2.79% | 4.85% | 5.89% | 16.70% | 3.41% | 8.02% | 2.34% | -355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.90% | 2.11% | 2.37% | 2.16% | 2.58% | 2.50% | 1.84% | 1.76% | -41 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.06% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | -3 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.15% | 1.10% | 1.04% | 1.01% | 1.02% | 0.99% | -11 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | 0.4x | 0.6x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 10.88% | 11.02% | 10.12% | 10.51% | 10.71% | 10.75% | 10.79% | +67 bps | |
| Total Risk-Based Capital | 10.65% | 10.88% | 11.02% | 10.12% | 10.51% | 10.71% | 10.75% | 10.79% | +67 bps | |
| Equity / Assets | 5.27% | 3.54% | 3.84% | 3.33% | 4.99% | 5.81% | 5.15% | 6.31% | +298 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.07% | 51.82% | 49.84% | 51.95% | 54.64% | 59.28% | 54.77% | 60.18% | +823 bps | |
| Liquid Assets / Assets | 0.25% | 3.84% | 6.03% | 2.29% | 3.21% | 0.85% | 4.59% | 1.18% | -112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.28% | 175.13% | 178.41% | n/a | n/a | |
Saint Thomas, VI · Cert 58184 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.50%
Rank 172 of 746
Net Interest Margin
3.28%
Rank 529 of 746
Efficiency Ratio
49.76%
Rank 105 of 746
Equity / Assets
6.31%
Rank 724 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.72% | 1.06% | 1.45% | Beats 77% | 172 / 746 | ||
| Return on Equity | 23.76% | 6.74% | 10.51% | 13.63% | Beats 98% | 16 / 746 | ||
| Net Interest Margin | 3.28% | 3.17% | 3.68% | 4.16% | Beats 29% | 529 / 746 | ||
| Efficiency Ratio | 49.76% | 55.74% | 64.58% | 75.47% | Beats 86% | 105 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.76% | 0.09% | 0.42% | 1.07% | Beats 14% | 639 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.79% | 11.55% | 13.75% | 17.60% | Beats 17% | 619 / 746 | ||
| Total Risk-Based Capital Ratio | 10.79% | 11.71% | 14.33% | 18.43% | Beats 16% | 628 / 746 | ||
| Equity / Assets | 6.31% | 8.90% | 10.51% | 13.06% | Beats 3% | 724 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.18% | 61.31% | 78.27% | 90.78% | 23rd pctl | 575 / 746 | ||
| Loans / Assets | 46.83% | 53.60% | 66.97% | 76.08% | 16th pctl | 625 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||