| Metric | CNB St Louis Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +4.9% | -8.1 pts |
| Deposit growth (YoY) | -3.6% | +4.3% | -7.9 pts |
| Loan growth (YoY) | -1.6% | +5.3% | -7.0 pts |
| ROA | 1.36% | 1.28% | +0.1 pts |
| ROE | 18.3% | 12.4% | +5.9 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $812.9M | $696.8M | $646.7M | $63.7M | $5.7M | 1.36% | 3.57% | 0.46% |
| Q1 2026 | $852.7M | $732.9M | $677.4M | $62.5M | $2.9M | 1.37% | 3.48% | 0.46% |
| Q4 2025 | $850.2M | $710.9M | $673.9M | $61.1M | $10.0M | 1.18% | 3.28% | 0.53% |
| Q3 2025 | $877.6M | $774.1M | $683.8M | $59.1M | $7.0M | 1.11% | 3.23% | 0.62% |
| Q2 2025 | $839.9M | $722.7M | $657.5M | $54.4M | $4.0M | 0.98% | 3.15% | 0.42% |
| Q1 2025 | $833.4M | $683.1M | $647.9M | $52.9M | $2.0M | 0.96% | 3.08% | 0.45% |
| Q4 2024 | $811.2M | $679.7M | $625.6M | $50.1M | $6.2M | 0.79% | 2.93% | 0.56% |
| Q3 2024 | $790.2M | $675.2M | $596.0M | $53.3M | $4.2M | 0.72% | 2.88% | 0.51% |
Loan mix (Q2 2026): real estate $509.2M · commercial $146.7M · consumer $3.3M · securities $105.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CNB St Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 61.2% | 46th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CNB St Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CNB St Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CNB St Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CNB St Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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