Saint 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: 15.68 percentage points lower than in Q1 2026, at 44.86%. Within Missouri, Saint Louis Bank is 166th of 192 on return on assets, 0.83% as of Q2 2026, below the middle of the field. Saint Louis Bank reported 0.83% on return on assets for Q2 2026, 0.44 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.02% |
| Tier 1 risk-based capital ratio | 10.02% |
| Total risk-based capital ratio | 11.25% |
| Tier 1 leverage ratio | 8.81% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.90% |
| Non-performing assets ratio | 2.50% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 25.88% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 44.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 9.88% |
| Net interest margin | 3.23% |
| Efficiency ratio | 56.98% |
| Yield on earning assets | 5.73% |
| Cost of funds | 2.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.34% |
| Core deposits to total deposits | 54.19% |
| Brokered deposits to total deposits | 42.18% |
| Deposits to assets | 89.71% |
| Securities to assets | 11.04% |
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 | 10.06% | 10.06% | 11.24% | 8.88% | 0.56% |
| Q4 2023 | 9.55% | 9.55% | 10.80% | 8.63% | -0.71% |
| Q1 2024 | 9.99% | 9.99% | 11.24% | 8.40% | 0.96% |
| Q2 2024 | 10.14% | 10.14% | 11.39% | 8.74% | 0.89% |
| Q3 2024 | 10.15% | 10.15% | 11.40% | 9.29% | 1.05% |
| Q4 2024 | 9.98% | 9.98% | 11.23% | 9.48% | 1.00% |
| Q1 2025 | 9.86% | 9.86% | 11.11% | 8.46% | 0.96% |
| Q2 2025 | 10.19% | 10.19% | 11.45% | 8.63% | 0.94% |
| Q3 2025 | 10.25% | 10.25% | 11.51% | 9.06% | 0.84% |
| Q4 2025 | 10.28% | 10.28% | 11.44% | 9.49% | 1.10% |
| Q1 2026 | 9.97% | 9.97% | 11.14% | 8.60% | 0.95% |
| Q2 2026 | 10.02% | 10.02% | 11.25% | 8.81% | 0.83% |
Saint Louis Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Saint 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 Saint Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58018) · FFIEC NIC profile (RSSD 3354599)