Saint Louis Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Saint Louis Bank of Saint Louis, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.44% | -0.61% | 20th bottom |
| ROAE | 9.88% | 12.51% | -2.63% | 31st below |
| Net Interest Margin | 3.23% | 3.84% | -0.61% | 23rd bottom |
| Efficiency Ratio | 56.98% | 58.87% | -1.89% | 55th above |
| PPNR / Avg Assets | 1.31% | 1.78% | -0.47% | 28th below |
| Yield on Earning Assets | 5.73% | 5.71% | +0.02% | 62nd above |
| Cost of Funds | 2.67% | 2.03% | +0.64% | 16th bottom |
| Net Interest Spread | 2.66% | 3.18% | -0.52% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.90% | 0.96% | +1.94% | 6th bottom |
| NPA / Total Assets | 2.50% | 0.75% | +1.75% | 4th bottom |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 92nd top |
| ACL / Total Loans | 1.30% | 1.25% | +0.05% | 70th above |
| ACL / NPLs (Coverage) | 44.86% | 699.57% | -654.71% | 7th bottom |
| Texas Ratio | 25.88% | 7.14% | +18.74% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.02% | 17.42% | -7.40% | 1st bottom |
| Tier 1 Ratio | 10.02% | 17.45% | -7.43% | 1st bottom |
| Total Capital Ratio | 11.25% | 18.51% | -7.26% | 2nd bottom |
| Leverage Ratio | 8.81% | 11.60% | -2.79% | 8th bottom |
| Equity / Assets | 8.64% | 11.33% | -2.69% | 15th bottom |
| TCE / Tangible Assets | 8.64% | 10.65% | -2.01% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.34% | 86.35% | +4.99% | 40th below |
| Core Deposit Ratio | 54.19% | 85.59% | -31.40% | 2nd bottom |
| Uninsured Deposit Ratio | 23.58% | 32.72% | -9.14% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.43% | 10.46% | -5.03% | 51st above |
| Loan Growth (Y/Y) | 12.41% | 7.99% | +4.42% | 80th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.35% | 7.98% | -2.63% | 54th above |
See Saint Louis Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Saint Louis Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Saint Louis Bank profile, how to read a UBPR, or how this data updates.