ST. JOHNS BANK & TRUST COMPANY

SAINT LOUIS, MO | Small | Est. Jan. 1, 1926, midnight | FDIC #8898 | RSSD #173557 | FDIC
Latest Report: 2025-12-31

ST. JOHNS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in SAINT LOUIS, MO, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $305M and total deposits of $269M. Profitability stands at 0.94% ROA and 8.06% ROE, with a net interest margin of 5.20%. The bank's CET1 capital ratio is 11.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.93% and a Texas Ratio of 17.66%. FDIC Certificate #8898.

Assets

$305M

Deposits

$269M

Loans

$226M

Equity

$36M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 8.06%
Net Interest Margin (NIM) 5.20%
Yield on Assets 5.54%
Cost of Funds 0.35%

Asset Quality

NPL Ratio 1.93%
Net Charge-Off Ratio 0.13%
Texas Ratio 17.66%
NPA Ratio 2.28%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 11.75%
Tier 1 Capital 11.75%
Total Capital Ratio 12.34%
Leverage Ratio 11.76%
Loan-to-Deposit 84.17%

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