Clayton, MO · Cert 9797
FDIC · 2 branches
Q4 2025
Market Position · St. Louis, MO-IL · 2025 SOD (annual) · 0.8% share · #22 of 114 inst. · $1.0B of $134.5B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.60% | 1.67% | 1.91% | 1.63% | +23 bps | |
| Return on Equity | 15.42% | 16.33% | 16.75% | 18.86% | 16.22% | +81 bps | |
| Net Interest Margin | 3.57% | 3.52% | 3.37% | 3.40% | 3.35% | -22 bps | |
| Efficiency Ratio | 39.88% | 40.37% | 38.30% | 39.75% | 42.31% | +242 bps | |
| Non-Interest Burden | 1.43% | 1.42% | 1.27% | 1.33% | 1.41% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.86% | 2.03% | -0.18% | 0.97% | 2.73% | -1,813 bps | |
| Loan Growth (YoY) | 18.12% | 2.57% | -4.87% | 1.26% | -4.07% | -2,219 bps | |
| Deposit Growth (YoY) | 20.93% | 0.56% | 3.31% | -0.36% | 2.78% | -1,815 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.36% | 1.37% | 1.33% | 1.37% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.60% | 10.47% | 10.66% | 10.82% | 9.93% | +33 bps | |
| Total Risk-Based Capital | 9.60% | 10.47% | 10.66% | 10.82% | 9.93% | +33 bps | |
| Equity / Assets | 9.49% | 10.11% | 10.30% | 10.58% | 9.74% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.29% | 92.96% | 91.39% | 94.96% | 87.07% | -622 bps | |
| Liquid Assets / Assets | 8.00% | 8.80% | 9.23% | 4.86% | 12.22% | +422 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 163.39% | 130.35% | n/a | |