$1.33B
−1.0%y/y
Percentile by value34th percentileby value
FDIC
ASSETCC
Cass Commercial Bank
Des Peres, MissouriFDIC Cert #1068
STATEEstablished 19063 branches
Holding company: CASS INFORMATION SYSTEMS INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCass Commercial Bank reported $1.33B in total assets. Deposits declined 2.16% over the prior year.
Return on assets was 2.20%, compared with an asset-peer median of 1.16%. The leverage ratio was 14.54%.
- Why is CRE Concentration to Capital below asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Total Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.11B
−2.2%y/y
Percentile by value34th percentileby value
FDIC
DEP$1.03B
−3.1%y/y
Percentile by value45th percentileby value
FDIC
LNLSNET2.20%
+19 bpsy/y
Peer standing93rd percentile
FDIC
NETINC + ROA37.03%
−127 bpsy/y
Peer standing96th percentile
FDIC
NONIX + NIM + NONII + EEFFR14.54%
+150 bpsy/y
Peer standing90th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.22B | $1.04B |
| Q3 2021 | $1.28B | $1.1B |
| Q4 2021 | $1.5B | $1.33B |
| Q1 2022 | $1.35B | $1.17B |
| Q2 2022 | $1.39B | $1.22B |
| Q3 2022 | $1.6B | $1.43B |
| Q4 2022 | $1.45B | $1.28B |
| Q1 2023 | $1.44B | $1.27B |
| Q2 2023 | $1.46B | $1.29B |
| Q3 2023 | $1.58B | $1.4B |
| Q4 2023 | $1.51B | $1.32B |
| Q1 2024 | $1.34B | $1.15B |
| Q2 2024 | $1.3B | $1.1B |
| Q3 2024 | $1.32B | $1.12B |
| Q4 2024 | $1.43B | $1.23B |
| Q1 2025 | $1.34B | $1.14B |
| Q2 2025 | $1.31B | $1.1B |
| Q3 2025 | $1.32B | $1.11B |
| Q4 2025 | $1.44B | $1.22B |
| Q1 2026 | $1.33B | $1.11B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $415M |
| Investor CRE | $35.5M |
| Multifamily | $0 |
| Construction | $57.9M |
| 1–4 family | $2.02M |
| C&I | $429M |
| Agriculture | $0 |
| Other | $99.1M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%93rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE15.14%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.01%72nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%96th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−2.16%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−3.13%7th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%67th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ14.54%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%58th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%87th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.68%Median 1.38%90th 2.34%Observations 198
ROE
FDIC
NETINC + ROE15.14%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.24%Median 13.82%90th 23.25%Observations 198
NIM
FDIC
NIM + NIMY4.01%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.26%Median 4.01%90th 4.90%Observations 198
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.04%Median 58.86%90th 76.72%Observations 198
Deposits YoY
FDIC
DEP−2.16%10th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.58%Median +4.12%90th +13.39%Observations 197
Loans YoY
FDIC
LNLSNET−3.13%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.75%Median +6.28%90th +19.25%Observations 195
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%58th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.31%Observations 195
Leverage
FDIC
RBC1AAJ14.54%89th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.24%Median 10.68%90th 14.69%Observations 198
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.46%90th 3.44%Observations 197
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%12th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 142%90th 319%Observations 108
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.20%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.95%Median 1.31%90th 2.13%Observations 20
ROE
FDIC
NETINC + ROE15.14%79th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.71%Median 13.91%90th 19.29%Observations 20
NIM
FDIC
NIM + NIMY4.01%53rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.39%Median 3.99%90th 4.55%Observations 20
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR37.03%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.52%Median 57.15%90th 66.61%Observations 20
Deposits YoY
FDIC
DEP−2.16%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.77%Median +6.87%90th +21.85%Observations 20
Loans YoY
FDIC
LNLSNET−3.13%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.28%Median +6.41%90th +20.53%Observations 20
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.30%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.40%90th 2.45%Observations 20
Leverage
FDIC
RBC1AAJ14.54%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.88%90th 12.49%Observations 20
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.46%68th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.78%Median 2.84%90th 3.69%Observations 20
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 83%Median 230%90th 353%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Des Peres, MO
FDIC
OFFDOMOpen the Missouri dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data