Parkside Financial B&T
Clayton, Missouri · FDIC Cert #58796
Parkside Financial B&T is an FDIC-insured bank (Certificate #58796) with $1.0B in total assets and $877M in total deposits as of the Q2 2024 Call Report. Headquartered in Clayton, Missouri, the bank maintains a Tier 1 capital ratio of 11.71% (Well-Capitalized) and a nonperforming loan ratio of 0.66%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Parkside Financial B&T (FDIC cert 58796) is a mid-sized bank with $1.0B in total assets and $877M in deposits, based in Clayton, Missouri. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.71% 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 0.66% 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: 16.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.03% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Parkside Financial B&T carries a composite BankHealth grade of B (70/100) 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: Parkside Financial B&T
- Total Assets
- $1.0B
- Total Deposits
- $877M
- Tier 1 Capital Ratio
- 11.71%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.66%
- Liquidity Ratio
- 16.71%
- Return on Assets
- 1.03%
- Headquarters
- Clayton, Missouri
- FDIC Certificate
- #58796
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Parkside Financial B&T holds a Tier 1 capital ratio of 11.71%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Parkside Financial B&T has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Parkside Financial B&T shows strong financial health indicators. With $1.0B in assets and a Health Score of 70/100, 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 Parkside Financial B&T Compares
Parkside Financial B&T’s Health Score of 70 is 3 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.71% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 0.66% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.03% is below the national ROA benchmark of ~1.1%. Among 1008 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Parkside Financial B&T has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.71%, 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. Parkside Financial B&T's Tier 1 capital ratio of 11.71% and nonperforming loan ratio of 0.66% 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 Parkside Financial B&T is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58796). 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.
Parkside Financial B&T holds $1.0B in total assets and $877M in total deposits. It is headquartered in Clayton, Missouri (FDIC Certificate #58796).
Parkside Financial B&T has a Tier 1 capital ratio of 11.71%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.66%, and the return on assets is 1.03%.
Yes. Parkside Financial B&T is FDIC-insured (Certificate #58796). 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%).
Parkside Financial B&T'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.