St. Johns Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
St. Johns Bank & Trust Company is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 1926 (FDIC certificate 8898), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $297.1M, down 2.6% from Q2 2025, the 100th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.27% 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
- 8898
- Headquarters
- Saint Louis, MO
- Established
- 1926
- Total assets, Q2 2026
- $297.1M
- Assets vs Q2 2025
- -2.6%
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081017575
- Latest call report
- Q2 2026, FFIEC 051 · St. Johns Bank & Trust Company call report
- Holding company
- ST. JOHNS BANCSHARES, INC.
- Asset rank in state
- 100th of 191 in Missouri
St. Johns Bank & Trust Company spends more to run itself than most banks of its size. It reported $297 million in assets at June 30, 2026, down 2.6% from a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $279,000 was 60% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.28% of loans, down from 3.06% a year earlier. Credit is the area to watch: it carries problem assets equal to 17.9% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
As of June 30, 2026, St. Johns Bank & Trust Company reported a return on assets of 0.37%, a nonperforming-loan ratio of 3.28% and a Texas ratio of 17.87%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, St. Johns Bank & Trust Company is the 100th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $297.1M, loans fell 0.4% and deposits rose 0.6%. Owner-occupied commercial real estate loans made up 26.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Saint Louis office books 44% of its branch deposits. On its Q2 2026 call report, St. Johns Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8924 Saint Charles Rock Rd, Saint Louis, MO 63114
- 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, 1926
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $260.1M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $299.6M
- Average total loans
- $223.7M
- Average interest-bearing deposits
- $188.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8898
- Fed RSSD
- 173557
- Website
- https://www.stjohnsbank.com →
- Parent Holding Company
- ST. JOHNS BANCSHARES, INC. (RSSD 1096587)
- Ultimate Parent
- UNITY BANCSHARES, L.L.C. (RSSD 2630746)
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, St. Johns Bank & Trust Company 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, St. Johns Bank & Trust Company's total assets ran between $295.7M (Q1 2026) and $337.9M (Q4 2023), 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
$297.1M total assets against $305.0M; $260.8M total liabilities against $270.8M.
$219.3M net loans and leases against $228.3M; $260.1M total deposits against $270.1M.
$54.0M securities against $54.7M; $13.4M cash and balances due against $14.4M.
$3.9M total interest income against $3.6M; $226K total interest expense against $212K.
$3.7M net interest income against $3.4M.
-$261K total noninterest income against $234K; $3.0M total noninterest expense against $2.6M.
$45K provision for credit losses against $45K.
$279K net income against $702K.
0.37% return on assets against 0.91%; 5.04% net interest margin against 4.49%.
12.27% tier 1 leverage ratio against 11.42%.
Inside the full St. Johns Bank & Trust Company 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
St. Johns Bank & Trust Company rankings
Its closest position to the top of a national ranking is 225 of 3,640, for Texas Ratio; its furthest is 3,426 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q2 2026) to 0.93% (Q4 2025) and its net interest margin ran from 4.13% (Q3 2024) to 5.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 0.37% | 3.28% | 17.87% | 5.04% |
| Q1 2026 | 12.19% | 0.73% | 3.34% | 19.50% | 4.78% |
| Q4 2025 | 11.76% | 0.93% | 1.93% | 17.66% | 4.90% |
| Q3 2025 | 11.62% | 0.83% | 1.90% | 17.77% | 4.71% |
| Q2 2025 | 11.42% | 0.91% | 3.06% | 18.68% | 4.49% |
| Q1 2025 | 11.22% | 0.80% | 3.07% | 19.01% | 4.28% |
| Q4 2024 | 10.89% | 0.77% | 3.13% | 20.24% | 4.31% |
| Q3 2024 | 10.56% | 0.80% | 3.21% | 21.22% | 4.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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. Johns Bank and Trust Company | Saint Louis , MO | 63114 | $114.7M |
| Bridgeton Branch | Bridgeton , MO | 63044 | $69.9M |
| Cave Springs Facility | St. Peters , MO | 63376 | $46.5M |
| O'Fallon Branch | O Fallon , MO | 63368 | $29.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 121 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 44 applications, 41 loans originated, $15.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $338K approved, $338K 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, 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 St. Johns Bank & Trust Company
What are St. Johns Bank & Trust Company's total assets?
As of the Q2 2026 filing, St. Johns Bank & Trust Company reported total assets of $297.1 million in its FFIEC call report.
Where is St. Johns Bank & Trust Company headquartered?
It is headquartered in Saint Louis, MO, United States.
When was St. Johns Bank & Trust Company founded?
It was established in 1926, per the FDIC institution directory.
Is St. Johns Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates St. Johns Bank & Trust Company?
St. Johns Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does St. Johns Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is St. Johns Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 17.87% 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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