CNB St Louis Bank: how it compares with its peers
Against 60 MO banks with half to twice its assets, CNB St Louis Bank's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.9M peer median). Its weakest relative measure is net interest margin (3.57% vs. 4.23%).
| Measure | CNB St Louis Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.63% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 4.23% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.86% | 54.52% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.9M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.81% | 89.03% | Context |
What it means for lending operations
Its efficiency ratio of 59.86% is above the 54.52% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- MRV Banks Sainte Genevieve, MO · $803M
- Freedom Bank of Southern Missouri Cassville, MO · $850M
- Focus Bank Charleston, MO · $854M
- PSB Bank Rhineland, MO · $854M
- West Plains Bank and Trust Company West Plains, MO · $768M
Questions about CNB St Louis Bank
How big is CNB St Louis Bank?
CNB St Louis Bank, established in 1915, is headquartered in Maplewood, MO. It reported $813M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is CNB St Louis Bank's return on assets?
1.36% annualized in Q2 2026, against a 1.63% median for 60 MO banks with half to twice its assets, ahead of 28% of them.
What is CNB St Louis Bank's efficiency ratio?
59.86% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 54.52%, and lower is better.
Is CNB St Louis Bank growing its loans?
Net loans shrank 1.6% over the year to Q2 2026, while deposits shrank 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.