Clayton, MO · Cert 58796 · Parkside Financial Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #29 of 111 inst. · $0.9B 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 | 0.81% | 0.90% | 0.94% | 0.92% | 1.00% | 1.12% | 1.46% | 1.41% | +49 bps | |
| Return on Equity | 8.32% | 9.14% | 9.18% | 8.61% | 9.28% | 10.11% | 11.64% | 11.22% | +261 bps | |
| Net Interest Margin | 3.59% | 3.37% | 3.73% | 3.76% | 3.83% | 3.85% | 4.20% | 4.19% | +43 bps | |
| Efficiency Ratio | 69.31% | 67.14% | 71.10% | 71.40% | 68.90% | 67.14% | 65.26% | 65.68% | -572 bps | |
| Non-Interest Burden | 2.11% | 1.87% | 2.26% | 2.31% | 2.21% | 2.12% | 2.15% | 2.17% | -13 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 / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | -19 bps | |
| Net Charge-Offs / Loans | 0.58% | 0.43% | -0.09% | -0.04% | -0.03% | -0.02% | 0.00% | 0.00% | +4 bps | |
| Allowance / Loans | 1.59% | 1.72% | 1.73% | 1.81% | 1.87% | 1.83% | 1.92% | 1.92% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 9.6x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 10.51% | 11.54% | 11.52% | 12.01% | 12.14% | 13.01% | 12.98% | +145 bps | |
| Total Risk-Based Capital | 13.16% | 13.72% | 14.07% | 13.81% | 14.23% | 13.99% | 14.38% | 14.25% | +43 bps | |
| Equity / Assets | 10.25% | 10.00% | 10.55% | 11.51% | 11.15% | 12.39% | 12.68% | 12.60% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 80.87% | 84.03% | 91.54% | 84.20% | 95.87% | 96.42% | 98.28% | +674 bps | |
| Liquid Assets / Assets | 11.14% | 15.20% | 12.70% | 7.20% | 16.54% | 6.98% | 6.68% | 5.42% | -179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 270% | 276% | n/a | n/a | |