St. Louis Bank: how it compares with its peers
Against 46 MO banks with half to twice its assets, St. Louis Bank's strongest measure in Q2 2026 is assets per employee ($17.1M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (3.42% vs. 4.23%).
| Measure | St. Louis Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.63% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 4.23% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.82% | 54.52% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.1M | $7.3M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.15% | 90.47% | Context |
What it means for lending operations
Its efficiency ratio of 56.82% 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
- Triad Bank Frontenac, MO · $1.11B
- Parkside Financial Bank & Trust Clayton, MO · $1.08B
- Bank of Washington Washington, MO · $1.15B
- Mid America Bank Jefferson City, MO · $1.18B
- Montgomery Bank Sikeston, MO · $1.18B
- Royal Banks of Missouri Saint Louis, MO · $1.03B
Questions about St. Louis Bank
How big is St. Louis Bank?
St. Louis Bank, established in 2005, is headquartered in Saint Louis, MO. It reported $1.11B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is St. Louis Bank's return on assets?
0.92% annualized in Q2 2026, against a 1.63% median for 46 MO banks with half to twice its assets, ahead of 11% of them.
What is St. Louis Bank's efficiency ratio?
56.82% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 54.52%, and lower is better.
Is St. Louis Bank growing its loans?
Net loans grew 12.7% over the year to Q2 2026, while deposits grew 5.3%.
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.