| Metric | St. Louis Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +12.7% | +5.9% | +6.8 pts |
| ROA | 0.92% | 1.26% | -0.3 pts |
| ROE | 10.7% | 12.2% | -1.5 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $995.3M | $897.2M | $95.9M | $5.1M | 0.92% | 3.42% | 2.47% |
| Q1 2026 | $1.18B | $1.06B | $887.2M | $94.7M | $2.7M | 0.99% | 3.49% | 1.73% |
| Q4 2025 | $1.02B | $905.5M | $852.1M | $93.7M | $10.0M | 0.98% | 3.45% | 1.81% |
| Q3 2025 | $1.01B | $901.5M | $831.7M | $91.5M | $7.2M | 0.94% | 3.40% | 1.83% |
| Q2 2025 | $1.05B | $944.7M | $796.4M | $88.3M | $5.1M | 0.98% | 3.41% | 1.44% |
| Q1 2025 | $1.07B | $969.7M | $773.9M | $86.0M | $2.6M | 1.01% | 3.42% | 0.82% |
| Q4 2024 | $955.0M | $843.2M | $782.1M | $83.4M | $9.4M | 0.98% | 3.36% | 0.95% |
| Q3 2024 | $927.9M | $816.5M | $743.3M | $83.5M | $7.0M | 0.98% | 3.30% | 0.89% |
Loan mix (Q2 2026): real estate $612.3M · commercial $258.0M · consumer $3.3M · securities $122.5M
| Ratio | St. Louis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 59.0% | 42th |
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 | 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 | 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 | 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 | 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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