Cnb St Louis Bank
Maplewood, Missouri · FDIC Cert #4549
Cnb St Louis Bank is an FDIC-insured bank (Certificate #4549) with $774M in total assets and $641M in total deposits as of the Q2 2024 Call Report. Headquartered in Maplewood, Missouri, the bank maintains a Tier 1 capital ratio of 10.74% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cnb St Louis Bank (FDIC cert 4549) is a community bank — $774M in total assets, $641M in deposits, serving the Maplewood, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.74% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 21.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.61% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Cnb St Louis Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cnb St Louis Bank
- Total Assets
- $774M
- Total Deposits
- $641M
- Tier 1 Capital Ratio
- 10.74%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 21.82%
- Return on Assets
- 0.61%
- Headquarters
- Maplewood, Missouri
- FDIC Certificate
- #4549
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cnb St Louis Bank holds a Tier 1 capital ratio of 10.74%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cnb St Louis Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cnb St Louis Bank shows strong financial health indicators. With $774M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cnb St Louis Bank Compares
Cnb St Louis Bank’s Health Score of 71 is 4 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 10.74% Tier 1 capital ratio is 3.3 points below the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.61% is below the national ROA benchmark of ~1.1%. Among 1177 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Cnb St Louis Bank is 1 points above the portfolio average of 70.
Frequently Asked Questions
Cnb St Louis Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.74%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cnb St Louis Bank's Tier 1 capital ratio of 10.74% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cnb St Louis Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4549). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cnb St Louis Bank holds $774M in total assets and $641M in total deposits. It is headquartered in Maplewood, Missouri (FDIC Certificate #4549).
Cnb St Louis Bank has a Tier 1 capital ratio of 10.74%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 0.61%.
Yes. Cnb St Louis Bank is FDIC-insured (Certificate #4549). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cnb St Louis Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.