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Commercial Bank

$100M-$1B Specialty: Commercial MO FDIC cert 27409

Saint Louis, MO

4 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -1.5% year over year ($246.5M on the books).
  • Delinquency rate 1.02%.
  • Return on assets 0.46%.
  • Efficiency ratio 80.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Commercial Bank faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 4.3% in tier
  • - Capital Thin: Bottom 20.1% in tier
  • - Deposit Outflow: Bottom 34.4% in tier
  • - Efficiency Drag: Bottom 36.6% in tier
  • - ROA 0.86% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Delinquency Rate 0.10% above tier average
Get updates when Commercial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $282.9M
-0.9% YoY +2.0% QoQ
-$103.6M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $195.9M
+10.4% YoY +4.1% QoQ
-$62.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $246.5M
-1.5% YoY +1.2% QoQ
-$80.3M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 0.46%
+66.0% YoY +19.0% QoQ
-0.86% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 11.4% in tier
Net Interest Margin ? 3.52%
+9.3% YoY +3.8% QoQ
-0.47% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 80.28%
-9.1% YoY -1.9% QoQ
+15.80% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Bottom 13.4% in tier
Delinquency Rate ? 1.02%
+36.0% YoY +0.3% QoQ
+0.10% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 79.49%
+12.0% YoY +2.8% QoQ
+1.54% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 23.17%
-5.4% YoY -2.9% QoQ
+1.14% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 0.70%
+51.3% YoY +2.3% QoQ
+0.03% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 10.86%
+1.0% YoY -0.7% QoQ
-5.05% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.15%
+16.4% YoY +74.1% QoQ
-0.41% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
36%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 23.2%
-1.3pp YoY
-0.7pp QoQ
 +1.0pp 22.1% 20.9% 22.2% 60%
Brokered Deposits 1.8%
+0.1pp YoY
-0.7pp QoQ
 -6.1pp 7.9% 7.4% 8.5% 28%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 19.7%
-5.2pp YoY
-0.9pp QoQ
 +8.2pp 11.6% 12.3% 12.5% 88%
CRE 46.3%
-1.0pp YoY
-0.1pp QoQ
 +6.7pp 39.5% 36.8% 41.4% 64%
1-4 Family 29.4%
+4.2pp YoY
+1.3pp QoQ
 -3.2pp 32.6% 31.9% 31.3% 50%
Consumer 2.3%
-0.2pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 4.1% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 10.9%
+0.1pp YoY
-0.1pp QoQ
 -8.0pp 18.8% 18.5% 19.7% 7%
Leverage Ratio 7.9%
+0.2pp YoY
0.0pp QoQ
 -4.2pp 12.2% 11.6% 12.6% 2%
Total Capital Ratio 12.0%
+0.2pp YoY
-0.1pp QoQ
 -8.0pp 19.9% 19.6% 20.8% 7%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 37
-1 (-2.6%) YoY
0 QoQ
 -22 58 162 482 37%
Assets per Employee ($) $7.6M
+1.8% YoY
+2.0% QoQ
 +$128K $7.5M $8.0M $8.8M 63%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.0%
+0.4pp YoY
0.0pp QoQ
 +0.1pp 0.9% 0.8% 1.0% 72%
Allowance Coverage 1.13x
-27.2% YoY
-2.6% QoQ
 -23.02x 24.15x 10.47x 20.23x 30%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.3% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 8.5%
+2.1pp YoY
+1.4pp QoQ
 -3.7pp 12.2% 14.3% 11.6% 28%
Cost of Funds (YTD) 1.7%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 48%
Net Income ($, YTD) $649,000
+66.4% YoY
— QoQ
 -$1.9M $2.6M $11.3M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Flatlined Growth

risk
#24 of 529 • Bottom 4.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.46%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#134 of 661 • Bottom 20.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.86%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#185 of 535 • Bottom 34.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Efficiency Drag

risk
#133 of 361 • Bottom 36.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.28%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2344
Return on Assets
profitability
Value: 0.46%
Peer Median: 1.32%
#2344 of 2643 Bottom 11.4% in $100M-$1B
2290
Efficiency Ratio
profitability
Value: 80.28%
Peer Median: 64.48%
#2290 of 2643 Bottom 13.4% in $100M-$1B
2073
Tier 1 Capital Ratio
capital
Value: 10.86%
Peer Median: 15.91%
#2073 of 2643 Bottom 21.6% in $100M-$1B
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