St Johns Bank&Trust Co
Saint Louis, Missouri · FDIC Cert #8898
This is the FDIC profile for St Johns Bank&Trust Co, an FDIC-insured bank (Certificate #8898) with $316M in total assets and $284M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Saint Louis, Missouri, the bank maintains a Tier 1 capital ratio of 10.16% (Well-Capitalized) and a nonperforming loan ratio of 1.24%. BankHealthData assigns a composite Health Grade of B (69/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
St Johns Bank&Trust Co (FDIC cert 8898) is a community bank — $316M in total assets, $284M in deposits, serving the Saint Louis, 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 10.16% 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 1.24% 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: 22.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.12% 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. St Johns Bank&Trust Co carries a composite BankHealth grade of B (69/100) 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: St Johns Bank&Trust Co
- Total Assets
- $316M
- Total Deposits
- $284M
- Tier 1 Capital Ratio
- 10.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.24%
- Liquidity Ratio
- 22.72%
- Return on Assets
- 1.12%
- Headquarters
- Saint Louis, Missouri
- FDIC Certificate
- #8898
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
St Johns Bank&Trust Co files quarterly Call Reports with the FDIC under Certificate #8898. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, St Johns Bank&Trust Co holds a Tier 1 capital ratio of 10.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning St Johns Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
St Johns Bank&Trust Co shows strong financial health indicators. With $316M in assets and a Health Score of 69/100, 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 St Johns Bank&Trust Co Compares
St Johns Bank&Trust Co’s Health Score of 69 is 10 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 10.16% Tier 1 capital ratio is 3.8 points below the US banking industry average near 14%. The 1.24% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 1588 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, St Johns Bank&Trust Co is 11 points below the portfolio average of 80.
Frequently Asked Questions
St Johns Bank&Trust Co has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.16%, 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. St Johns Bank&Trust Co's Tier 1 capital ratio of 10.16% and nonperforming loan ratio of 1.24% 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 St Johns Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8898). 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.
St Johns Bank&Trust Co holds $316M in total assets and $284M in total deposits. It is headquartered in Saint Louis, Missouri (FDIC Certificate #8898).
St Johns Bank&Trust Co's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #8898 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
St Johns Bank&Trust Co has a Tier 1 capital ratio of 10.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.24%, and the return on assets is 1.12%.
Yes. St Johns Bank&Trust Co is FDIC-insured (Certificate #8898). 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%).
St Johns Bank&Trust Co'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.