CNB St. Louis Bank
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Data as of · sourced from FFIEC call reports. How we update
CNB St. Louis Bank is an FDIC-insured commercial bank headquartered in Maplewood, MO, established in 1915 (FDIC certificate 4549), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $812.9M, down 3.2% from Q2 2025, the 48th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4549
- Headquarters
- Maplewood, MO
- Established
- 1915
- Total assets, Q2 2026
- $812.9M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 9.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081015218
- Latest call report
- Q2 2026, FFIEC 051 · CNB St. Louis Bank call report
- Holding company
- CARDINAL BANCORP, INC.
- Asset rank in state
- 48th of 191 in Missouri
CNB St. Louis Bank leans heavily on commercial real estate. Based in Maplewood, Missouri, it had $813 million in assets at June 30, 2026, down 3.2% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also lost 3.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Delinquency has appeared in its $147 million commercial and industrial book: 3.95% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $2.8 million, 34% above the same quarter a year earlier. Where it has less room is capital: it funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, CNB St. Louis Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 4.91%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CNB St. Louis Bank is the 48th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 4.7% to $812.9M, loans fell 4.4% and deposits fell 4.9%. Owner-occupied commercial real estate loans made up 22.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.2%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MO; its Maplewood office books 54% of its branch deposits. On its Q2 2026 call report, CNB St. Louis Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7305 Manchester Rd, Maplewood, MO 63143
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Former names
- Citizens National Bank of Greater St. Louis (1965-2020)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $696.8M
- Allowance for credit losses
- $12.5M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $844.5M
- Average total loans
- $677.7M
- Average interest-bearing deposits
- $593.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4549
- Fed RSSD
- 870650
- SEC CIK
- 874481 → filed by CARDINAL BANCORP, INC.
- Website
- http://www.cnbstl.com →
- Parent Holding Company
- CARDINAL BANCORP, INC. (RSSD 1140930)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, CNB St. Louis Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, CNB St. Louis Bank's total assets ran between $743.5M (Q3 2023) and $877.6M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$812.9M total assets against $839.9M; $749.2M total liabilities against $785.5M.
$646.7M net loans and leases against $657.5M; $696.8M total deposits against $722.7M.
$105.2M securities against $119.8M; $42.1M cash and balances due against $42.8M.
$11.8M total interest income against $11.7M; $4.5M total interest expense against $5.2M.
$7.3M net interest income against $6.5M.
$462K total noninterest income against $445K; $4.7M total noninterest expense against $4.7M.
$242K provision for credit losses against $180K.
$2.8M net income against $2.1M.
1.32% return on assets against 0.99%; 3.53% net interest margin against 3.25%.
9.29% tier 1 leverage ratio against 8.61%.
Inside the full CNB St. Louis Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CNB St. Louis Bank rankings
Its closest position to the top of a national ranking is 1,228 of 4,196, for total assets; its furthest is 1,875 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.38% (Q4 2025) and its net interest margin ran from 3.02% (Q3 2024) to 3.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.29% | 1.32% | 0.57% | 4.91% | 3.53% |
| Q1 2026 | 8.96% | 1.36% | 0.57% | 5.25% | 3.41% |
| Q4 2025 | 8.65% | 1.38% | 0.66% | 6.20% | 3.32% |
| Q3 2025 | 8.48% | 1.35% | 0.78% | 7.68% | 3.33% |
| Q2 2025 | 8.61% | 0.99% | 0.53% | 5.35% | 3.25% |
| Q1 2025 | 8.65% | 0.96% | 0.57% | 5.87% | 3.13% |
| Q4 2024 | 8.65% | 0.99% | 0.71% | 7.38% | 3.12% |
| Q3 2024 | 8.71% | 0.92% | 0.67% | 6.32% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cnb St Louis Bank | Maplewood , MO | 63143 | $373.5M |
| Florissant Banking Center Branch | Florissant , MO | 63031 | $101.5M |
| Westport Banking Center Branch | Maryland Heights , MO | 63043 | $63.4M |
| Affton Banking Center Branch | Affton , MO | 63123 | $61.3M |
| St. Peters Branch | St. Peters , MO | 63376 | $50.6M |
| St. Charles Branch | Saint Charles , MO | 63303 | $46.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 61 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 49 loans originated, $31.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $4.6M approved, $4.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CNB St. Louis Bank
What are CNB St. Louis Bank's total assets?
As of the Q2 2026 filing, CNB St. Louis Bank reported total assets of $812.9 million in its FFIEC call report.
Where is CNB St. Louis Bank headquartered?
It is headquartered in Maplewood, MO, United States.
When was CNB St. Louis Bank founded?
It was established in 1915, per the FDIC institution directory.
Is CNB St. Louis Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CNB St. Louis Bank?
CNB St. Louis Bank's primary federal regulator is the FDIC.
How many branches does CNB St. Louis Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CNB St. Louis Bank's Texas Ratio?
Its Texas Ratio is 4.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was CNB St. Louis Bank previously called?
The charter now named CNB St. Louis Bank has also operated as Citizens National Bank of Greater St. Louis (1965-2020), per FDIC structure-change records.
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