BlastPoint's Banking Scorecard
St. Louis Bank
Designations: ✓ Community bank
Saint Louis, MO
2 branches across IL · MO
St. Louis Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.75% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 48.0% in tier
- - Delinquency Rate 1.19% above tier average
- - Nonperforming Asset Ratio 1.05% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
- - ROA 0.37% below tier average
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.6% YoY
+15.6% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$887.2M
+14.6% YoY
+4.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$1.1B
+9.7% YoY
+17.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.99%
-2.3% YoY
+1.0% QoQ
|
-0.37% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.49%
+1.9% YoY
+1.2% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
56.31%
-8.2% YoY
-4.3% QoQ
|
-4.75% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
2.08%
+156.0% YoY
+7.5% QoQ
|
+1.19% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.0% in tier |
| Loan-to-Deposit Ratio ? |
83.39%
+4.5% YoY
-11.4% QoQ
|
-0.82% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
13.14%
-10.1% YoY
-13.5% QoQ
|
-8.15% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
1.73%
+112.1% YoY
-4.2% QoQ
|
+1.05% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.4% in tier |
| Tier 1 Capital Ratio ? |
9.97%
+1.1% YoY
-3.1% QoQ
|
-5.19% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.6% in tier |
| Non-Interest Income / Assets ? |
0.04%
-67.2% YoY
-86.1% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.2% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.