Saint Louis Bank
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Data as of · sourced from FFIEC call reports. How we update
Saint Louis Bank is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 2005 (FDIC certificate 58018), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 5.4% from Q2 2025, the 33rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58018
- Headquarters
- Saint Louis, MO
- Established
- 2005
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 10.02%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081019133
- Latest call report
- Q2 2026, FFIEC 051 · Saint Louis Bank call report
- Holding company
- ST. LOUIS BANCSHARES, INC.
- Asset rank in state
- 33rd of 191 in Missouri
Problem loans are rising at Saint Louis Bank. It reported $1.1 billion in assets at June 30, 2026, up 5.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.45% of loans from 1.44% a year earlier. It holds common equity equal to 10.02% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 22.0% of the capital and reserves that would absorb them, 6.1 times the median of 3.6% for banks its size.
The commercial and industrial book ($258 million) is worsening: 5.37% of it is past due or on nonaccrual, up from 3.02% a year earlier. Loans are outrunning deposits: over the year loans rose 12.4% and deposits rose 5.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Saint Louis Bank reported a CET1 capital ratio of 10.02%, a return on assets of 0.83%, a nonperforming-loan ratio of 2.87% and a Texas ratio of 21.97%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Saint Louis Bank is the 33rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.8% to $1.11B, loans rose 1.2% and deposits fell 6.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 28.4% of total loans, followed by non-owner-occupied commercial real estate loans at 24.9%. The FDIC Summary of Deposits lists 2 offices for it, in Saint Louis, MO and Edwardsville, IL; its Saint Louis office books 93% of its branch deposits. Judged on its Q2 2026 call report, Saint Louis Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9811 S 40 Dr, Saint Louis, MO 63124
- 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
- —
- Call Report form
- FFIEC 051
- Established
- June 6, 2005
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $995.3M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- -$98K
- Average total assets
- $1.13B
- Average total loans
- $906.5M
- Average interest-bearing deposits
- $893.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 6, 2005
- FDIC Cert
- 58018
- Fed RSSD
- 3354599
- SEC CIK
- 1451352 → filed by ST. LOUIS BANCSHARES, INC.
- Website
- www.stlouisbank.com →
- Parent Holding Company
- ST. LOUIS BANCSHARES, INC. (RSSD 3449075)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Saint Louis Bank's total assets moved between a low of $927.9M (Q3 2024) and a high of $1.18B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.05B; $1.01B total liabilities against $964.0M.
$897.2M net loans and leases against $796.4M; $995.3M total deposits against $944.7M.
$122.5M securities against $111.5M; $41.1M cash and balances due against $94.6M.
$15.7M total interest income against $15.2M; $6.9M total interest expense against $6.9M.
$8.8M net interest income against $8.3M.
-$132K total noninterest income against $870K; $5.0M total noninterest expense against $5.4M.
$700K provision for credit losses against $649K.
$2.4M net income against $2.5M.
0.83% return on assets against 0.94%; 3.23% net interest margin against 3.27%.
10.02% CET1 capital ratio against 10.19%; 8.81% tier 1 leverage ratio against 8.63%.
Inside the full Saint 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Saint Louis Bank rankings
Its closest position to the top of a national ranking is 132 of 3,640, for Texas Ratio; its furthest is 2,097 of 2,134, for CET1 ratio.
Metric pages for Saint Louis Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.83% (Q2 2026) to 1.10% (Q4 2025) and its net interest margin ran from 3.18% (Q1 2025) to 3.58% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 0.83% | 2.87% | 21.97% | 3.23% |
| Q1 2026 | 9.97% | 0.95% | 2.05% | 16.05% | 3.32% |
| Q4 2025 | 10.28% | 1.10% | 1.91% | 14.24% | 3.58% |
| Q3 2025 | 10.25% | 0.84% | 1.91% | 16.79% | 3.27% |
| Q2 2025 | 10.19% | 0.94% | 1.57% | 14.00% | 3.27% |
| Q1 2025 | 9.86% | 0.96% | 0.80% | 7.76% | 3.18% |
| Q4 2024 | 9.98% | 1.00% | 0.83% | 7.80% | 3.56% |
| Q3 2024 | 10.15% | 1.05% | 0.76% | 6.81% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| St. Louis Bank | Saint Louis , MO | 63124 | $922.0M |
| Edwardsville Bank, A Division of St. Louis Bank Branch | Edwardsville , IL | 62025 | $73.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 46 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 25 loans, $29.0M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Saint Louis Bank
What are Saint Louis Bank's total assets?
As of the Q2 2026 filing, Saint Louis Bank reported total assets of $1.11 billion in its FFIEC call report.
Where is Saint Louis Bank headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Saint Louis Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Saint Louis Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Saint Louis Bank?
Saint Louis Bank's primary federal regulator is the FDIC.
What is Saint Louis Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Saint Louis Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Saint Louis Bank's Texas Ratio?
Its Texas Ratio is 21.97% 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.
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