Bank Comparison
Cnb ST. Louis Bank vs Fortress Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| CET1 Ratio | 10.42% | 9.50% |
| Tier 1 Capital Ratio | 10.42% | 10.63% |
| Total Capital Ratio | 11.68% | 11.88% |
| Tier 1 Leverage Ratio | 8.96% | 9.33% |
| Equity / Assets | 7.33% | 9.90% |
Profitability
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 0.85% |
| Return on Equity (ROE) | 18.91% | 8.39% |
| Net Interest Margin (NIM) | 3.41% | 3.61% |
| Yield on Earning Assets | 5.59% | 6.11% |
| Cost of Funds | 2.37% | 2.56% |
Asset quality
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| Texas Ratio | 5.25% | 13.58% |
| Non-Performing Loan Ratio | 0.48% | 1.49% |
| Non-Performing Asset Ratio | 0.39% | 1.20% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.79% | 1.51% |
Balance sheet
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| Total Assets | $852,685K | $853,333K |
| Total Deposits | $732,893K | $676,787K |
| Total Loans | $689,720K | $690,816K |
| Total Equity | $62,494K | $84,459K |
| Net Income (quarter) | $2,922K | $1,754K |
Liquidity & funding
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.11% | 102.07% |
| Core Deposit Ratio | 92.04% | 97.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cnb ST. Louis Bank | Fortress Bank |
|---|---|---|
| Headquarters City | MAPLEWOOD | PEORIA |
| Headquarters State | MO | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 10 |
| Employees (FTE) | 87 | 225 |
| Established | Jan. 1, 1915, midnight | Jan. 4, 1904, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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