Goppert Financial 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 Loan-to-deposit ratio: 2.11 percentage points higher than in Q1 2026, at 75.34%. Within Missouri, Goppert Financial Bank is 119th of 192 on return on assets, 1.28% 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; Goppert Financial Bank reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 10.06% |
| Tangible equity to tangible assets | 10.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.89% |
| Net interest margin | 4.06% |
| Efficiency ratio | 57.80% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.34% |
| Core deposits to total deposits | 95.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.29% |
| Securities to assets | 22.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.38% | 1.31% | 3.71% | 0.00% | 0.00% |
| Q4 2023 | 9.70% | 1.52% | 3.96% | 0.00% | 0.00% |
| Q1 2024 | 9.60% | 1.56% | 4.00% | 0.00% | 0.00% |
| Q2 2024 | 9.98% | 1.76% | 4.28% | 0.00% | 0.00% |
| Q3 2024 | 10.20% | 1.49% | 4.20% | 0.00% | 0.00% |
| Q4 2024 | 10.37% | 1.71% | 4.37% | 0.00% | 0.00% |
| Q1 2025 | 9.92% | 1.47% | 3.91% | 0.00% | 0.00% |
| Q2 2025 | 10.24% | 1.53% | 4.08% | 0.00% | 0.00% |
| Q3 2025 | 10.46% | 1.43% | 4.19% | 0.00% | 0.00% |
| Q4 2025 | 10.49% | 1.30% | 4.23% | 0.00% | 0.00% |
| Q1 2026 | 10.09% | 1.31% | 4.04% | 0.00% | 0.00% |
| Q2 2026 | 10.07% | 1.28% | 4.06% | 0.00% | 0.00% |
Goppert Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Goppert Financial 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 Goppert Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8569) · FFIEC NIC profile (RSSD 815053)