St. Clair County State 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: 4.53 percentage points higher than in Q1 2026, at 91.21%. Within Missouri, St. Clair County State Bank is 48th of 191 on return on assets, 1.93% as of Q2 2026. St. Clair County State Bank's return on assets of 1.93% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.67 points (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 | 13.51% |
| Equity capital to assets | 13.29% |
| Tangible equity to tangible assets | 13.29% |
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 | 1.32% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 14.40% |
| Net interest margin | 4.44% |
| Efficiency ratio | 39.51% |
| Yield on earning assets | 6.34% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.21% |
| Core deposits to total deposits | 94.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.44% |
| Securities to assets | 9.94% |
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 | 13.03% | 1.55% | 4.12% | 0.03% | 0.02% |
| Q4 2023 | 13.02% | 1.43% | 4.11% | 0.05% | 0.06% |
| Q1 2024 | 12.97% | 3.51% | 4.01% | 0.03% | -0.15% |
| Q2 2024 | 13.23% | 1.74% | 4.12% | 0.03% | 0.00% |
| Q3 2024 | 13.35% | 1.73% | 4.25% | 0.03% | 0.03% |
| Q4 2024 | 13.22% | 1.20% | 4.28% | 0.03% | 0.02% |
| Q1 2025 | 13.19% | 1.68% | 4.19% | 0.00% | 0.06% |
| Q2 2025 | 13.33% | 1.75% | 4.30% | 0.00% | 0.02% |
| Q3 2025 | 13.61% | 1.81% | 4.39% | 0.00% | 0.00% |
| Q4 2025 | 13.78% | 1.85% | 4.42% | 0.00% | 0.01% |
| Q1 2026 | 13.46% | 1.75% | 4.24% | 0.00% | 0.00% |
| Q2 2026 | 13.51% | 1.93% | 4.44% | 0.00% | 0.00% |
St. Clair County State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Clair County State 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 St. Clair County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11002) · FFIEC NIC profile (RSSD 692450)