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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.78% | 2.25% | 2.08% | 1.40% | 1.60% | 1.67% | 1.91% | 1.63% | +23 bps | |
| Return on Equity | 30.67% | 25.17% | 23.23% | 15.42% | 16.33% | 16.75% | 18.86% | 16.22% | +81 bps | |
| Net Interest Margin | 4.91% | 4.00% | 3.95% | 3.57% | 3.52% | 3.37% | 3.40% | 3.35% | -22 bps | |
| Efficiency Ratio | 22.74% | 26.94% | 30.94% | 39.88% | 40.37% | 38.30% | 39.75% | 42.31% | +242 bps | |
| Non-Interest Burden | 1.11% | 1.07% | 1.23% | 1.43% | 1.42% | 1.27% | 1.33% | 1.41% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.67% | 34.42% | 15.75% | 20.86% | 2.03% | -0.18% | 0.97% | 2.73% | -1,813 bps | |
| Loan Growth (YoY) | 31.30% | 41.00% | 16.98% | 18.12% | 2.57% | -4.87% | 1.26% | -4.07% | -2,219 bps | |
| Deposit Growth (YoY) | 32.04% | 31.00% | 14.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.80% | 0.83% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.31% | 9.40% | 9.60% | 10.47% | 10.66% | 10.82% | 9.93% | +33 bps | |
| Total Risk-Based Capital | 9.72% | 9.31% | 9.40% | 9.60% | 10.47% | 10.66% | 10.82% | 9.93% | +33 bps | |
| Equity / Assets | 8.72% | 8.74% | 8.98% | 9.49% | 10.11% | 10.30% | 10.58% | 9.74% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.14% | 99.26% | 93.44% | 93.29% | 92.96% | 91.39% | 94.96% | 87.07% | -622 bps | |
| Liquid Assets / Assets | 9.47% | 2.32% | 6.60% | 8.00% | 8.80% | 9.23% | 4.86% | 12.22% | +422 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 163.39% | 130.35% | n/a | |