CNB St. Louis Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.67 percentage points lower than in Q1 2026, at 339.44%. Within Missouri, CNB St. Louis Bank is 111th of 192 on return on assets, 1.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. CNB St. Louis Bank sits 0.07 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.29% |
| Equity capital to assets | 7.84% |
| Tangible equity to tangible assets | 7.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.91% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 339.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 17.70% |
| Net interest margin | 3.53% |
| Efficiency ratio | 60.44% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.60% |
| Core deposits to total deposits | 88.85% |
| Brokered deposits to total deposits | 4.31% |
| Deposits to assets | 85.72% |
| Securities to assets | 12.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.07% | 11.07% | 12.33% | 8.60% | 0.97% |
| Q4 2023 | 10.66% | 10.66% | 11.92% | 8.64% | 0.90% |
| Q1 2024 | 10.75% | 10.75% | 12.01% | 8.65% | 0.49% |
| Q2 2024 | 10.74% | 10.74% | 12.00% | 8.60% | 0.70% |
| Q3 2024 | 10.59% | 10.59% | 11.84% | 8.71% | 0.92% |
| Q4 2024 | 10.19% | 10.19% | 11.45% | 8.65% | 0.99% |
| Q1 2025 | 9.95% | 9.95% | 11.21% | 8.65% | 0.96% |
| Q2 2025 | 10.12% | 10.12% | 11.37% | 8.61% | 0.99% |
| Q3 2025 | 9.94% | 9.94% | 11.19% | 8.48% | 1.35% |
| Q4 2025 | 10.35% | 10.35% | 11.61% | 8.65% | 1.38% |
| Q1 2026 | 10.42% | 10.42% | 11.68% | 8.96% | 1.36% |
| Q2 2026 | — | — | — | 9.29% | 1.32% |
CNB St. Louis Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB St. Louis Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CNB St. Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4549) · FFIEC NIC profile (RSSD 870650)