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St. Louis Bank

$1B-$10B Specialty: Commercial MO FDIC cert 58018

Designations: ✓ Community bank

Saint Louis, MO

2 branches across IL · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +5.3% year over year ($995.3M on the books).
  • Delinquency rate 2.90%.
  • Return on assets 0.92%.
  • Efficiency ratio 56.82% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.15% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

St. Louis Bank has 1 strength but faces 7 concerns

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

  • + Efficiency Ratio 2.90% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 25.7% in tier
  • - NIB Deposit Bleed: Bottom 67.4% in tier
  • - Delinquency Rate 2.04% above tier average
  • - Nonperforming Asset Ratio 1.80% above tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.47% below tier average
  • - Net Interest Margin 0.45% below tier average
Get updates when St. Louis 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 ? $1.1B
+5.4% YoY -5.8% QoQ
-$1.7B $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 10.5% in tier
Total Loans ? $897.2M
+12.7% YoY +1.1% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $995.3M
+5.3% YoY -6.5% QoQ
-$1.3B $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 0.92%
-6.4% YoY -7.0% QoQ
-0.47% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.42%
+0.3% YoY -2.0% QoQ
-0.45% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 56.82%
-5.1% YoY +0.9% QoQ
-2.90% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 2.90%
+82.1% YoY +39.7% QoQ
+2.04% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 4.5% in tier
Loan-to-Deposit Ratio ? 90.15%
+7.0% YoY +8.1% QoQ
+5.12% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 13.25%
-14.9% YoY +0.8% QoQ
-8.02% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 2.47%
+71.6% YoY +43.1% QoQ
+1.80% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 4.5% in tier
Tier 1 Capital Ratio ? 10.02%
-1.7% YoY +0.5% QoQ
-4.82% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 5.8% in tier
Non-Interest Income / Assets ? 0.03%
-85.5% YoY -24.2% QoQ
-0.50% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 2.0% in tier

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 13.2%
-2.3pp YoY
+0.1pp QoQ
 -8.1pp 21.4% 20.9% 22.2% 20%
Brokered Deposits 42.2%
+4.1pp YoY
+1.3pp QoQ
 +32.7pp 9.5% 7.4% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 28.8%
-2.2pp YoY
-0.8pp QoQ
 +14.8pp 14.0% 12.3% 12.5% 90%
CRE 57.2%
+3.3pp YoY
+0.5pp QoQ
 +7.2pp 50.0% 36.8% 41.4% 68%
1-4 Family 10.5%
-0.5pp YoY
-0.4pp QoQ
 -16.0pp 26.4% 31.9% 31.3% 18%
Consumer 0.4%
-1.5pp YoY
-0.1pp QoQ
 -4.3pp 4.7% 4.1% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 10.0%
-0.2pp YoY
0.0pp QoQ
 -5.6pp 15.6% 18.5% 19.7% 1%
Leverage Ratio 8.8%
+0.2pp YoY
+0.2pp QoQ
 -2.5pp 11.3% 11.6% 12.6% 8%
Total Capital Ratio 11.3%
-0.2pp YoY
+0.1pp QoQ
 -5.4pp 16.7% 19.6% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 65
-2 (-3.0%) YoY
+2 (+3.2%) QoQ
 -249 313 162 482 1%
Assets per Employee ($) $17.1M
+8.7% YoY
-8.7% QoQ
 +$6.6M $10.5M $8.0M $8.8M 92%
Branch Count 2
0 YoY
0 QoQ
 -18 20 10 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 34%
Nonaccrual 2.9%
+1.3pp YoY
+0.9pp QoQ
 +2.1pp 0.8% 0.8% 1.0% 96%
Allowance Coverage 0.45x
-53.3% YoY
-24.6% QoQ
 -18.26x 18.71x 10.47x 20.23x 6%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 10.7%
-1.0pp YoY
-0.8pp QoQ
 -1.9pp 12.6% 14.3% 11.6% 39%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.7pp 1.9% 1.8% 1.7% 87%
Net Income ($, YTD) $5.1M
+0.4% YoY
— QoQ
 -$14.2M $19.2M $11.3M $40.4M 12%

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 (2)

Capital Thin

risk
#58 of 222 • Bottom 25.7% 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: 10.02%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

NIB Deposit Bleed

decline
#32 of 46 • Bottom 67.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.25%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

868
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.53%
#868 of 885 Bottom 2.0% in $1B-$10B
846
Nonperforming Asset Ratio
credit_quality
Value: 2.47%
Peer Median: 0.67%
#846 of 885 Bottom 4.5% in $1B-$10B
843
Delinquency Rate
credit_quality
Value: 2.90%
Peer Median: 0.87%
#843 of 882 Bottom 4.5% in $1B-$10B
835
Tier 1 Capital Ratio
capital
Value: 10.02%
Peer Median: 14.84%
#835 of 885 Bottom 5.8% in $1B-$10B
793
Total Assets
size
Value: $1.11B
Peer Median: $2.79B
#793 of 885 Bottom 10.5% in $1B-$10B
749
Total Deposits
size
Value: $995.25M
Peer Median: $2.32B
#749 of 885 Bottom 15.5% in $1B-$10B
707
Non-Interest-Bearing Deposit Share
funding
Value: 13.25%
Peer Median: 21.27%
#707 of 885 Bottom 20.2% in $1B-$10B
677
Total Loans
size
Value: $897.25M
Peer Median: $1.96B
#677 of 885 Bottom 23.6% in $1B-$10B
669
Return on Assets
profitability
Value: 0.92%
Peer Median: 1.39%
#669 of 885 Bottom 24.5% in $1B-$10B
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