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Parkside Financial Bank and Trust

Clayton, MO · Cert 58796 · Parkside Financial Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$907.5MLoans
$923.3MDeposits
$136.1MEquity
Loan mix
49%RE $400.1M51%C&I $413.8M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $673.2M27%Noninterest $250.2MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #29 of 111 inst. · $0.9B of $141.7B

1.8% St. Louis
0.1% Denver

Executive Summary

  • Earnings: ROA of 1.37%, up 48 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.98%, up 145 bps from a year ago.
  • Funding: loans stand at 98.28% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.37%+48 bps YoY

Net Interest Margin (quarter, annualized)

4.30%+42 bps YoY

Efficiency Ratio (quarter, annualized)

66.08%-561 bps YoY

Tier 1 Leverage Ratio

12.98%+145 bps YoY

NIM

5.92%Q2 ’245.83%Q2 ’256.03%Q2 ’26+8%+11%

Non-interest income vs. expense

3.47%Q2 ’243.73%Q2 ’253.98%Q2 ’26+10%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%1.13%0.94%0.89%1.20%1.46%1.46%1.37%+48 bps
Return on Equity8.44%11.17%9.18%8.05%10.55%12.46%11.64%10.81%+276 bps
Net Interest Margin3.80%3.64%3.73%3.88%3.87%4.12%4.20%4.30%+42 bps
Efficiency Ratio66.32%61.33%71.10%71.69%64.08%62.40%65.26%66.08%-561 bps
Non-Interest Burden2.08%1.73%2.26%2.40%1.94%1.98%2.15%2.26%-14 bps
Growth
Asset Growth (YoY)10.79%17.56%12.98%0.67%3.81%-6.90%-5.17%3.61%+294 bps
Loan Growth (YoY)4.58%4.50%5.78%1.28%4.10%7.78%6.74%10.68%+940 bps
Deposit Growth (YoY)12.64%18.42%12.26%2.15%2.98%-9.09%-6.98%3.09%+94 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.19%0.00%0.00%0.00%0.00%-19 bps
Net Charge-Offs / Loans1.72%0.00%-0.09%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.59%1.72%1.73%1.81%1.87%1.83%1.92%1.92%+11 bps
Allowance Coverage of NPLsn/an/an/a9.6xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.22%10.51%11.54%11.52%12.01%12.14%13.01%12.98%+145 bps
Total Risk-Based Capital13.16%13.72%14.07%13.81%14.23%13.99%14.38%14.25%+43 bps
Equity / Assets10.25%10.00%10.55%11.51%11.15%12.39%12.68%12.60%+108 bps
Liquidity & Funding
Loans / Deposits83.30%80.87%84.03%91.54%84.20%95.87%96.42%98.28%+674 bps
Liquid Assets / Assets11.14%15.20%12.70%7.20%16.54%6.98%6.68%5.42%-179 bps
CRE / Total Capitaln/an/an/an/a262%270%276%n/an/a