St. Johns Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks St. Johns Bank & Trust Company of Saint Louis, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.37% | 1.34% | -0.97% | 10th bottom |
| ROAE | 3.07% | 13.32% | -10.25% | 9th bottom |
| Net Interest Margin | 5.04% | 3.93% | +1.11% | 93rd top |
| Efficiency Ratio | 87.28% | 61.13% | +26.15% | 8th bottom |
| PPNR / Avg Assets | 0.58% | 1.68% | -1.10% | 10th bottom |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 0.35% | 1.88% | -1.53% | 99th top |
| Net Interest Spread | 4.87% | 3.32% | +1.55% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.28% | 0.94% | +2.34% | 5th bottom |
| NPA / Total Assets | 3.16% | 0.70% | +2.46% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 49.84% | 1539.14% | -1489.30% | 10th bottom |
| Texas Ratio | 23.49% | 7.33% | +16.16% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 210.00% | 1396.01% | -1186.01% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.27% | 12.14% | +0.13% | 68th above |
| Equity / Assets | 12.23% | 11.37% | +0.86% | 73rd above |
| TCE / Tangible Assets | 12.23% | 11.09% | +1.14% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.70% | 80.64% | +5.06% | 39th below |
| Core Deposit Ratio | 99.01% | 86.86% | +12.15% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.59% | 6.85% | -9.44% | 9th bottom |
| Loan Growth (Y/Y) | -3.97% | 7.91% | -11.88% | 10th bottom |
| Deposit Growth (Y/Y) | -3.72% | 6.29% | -10.01% | 9th bottom |
See St. Johns Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock St. Johns Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full St. Johns Bank & Trust Company profile, how to read a UBPR, or how this data updates.