St. Johns Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.20 percentage points higher than in Q1 2026, at 49.84%. On return on assets, St. Johns Bank & Trust Company is 7th from the bottom among 192 Missouri banks, 0.37% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, St. Johns Bank & Trust Company reported 0.37% on return on assets in Q2 2026, 0.88 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.23% |
| Tangible equity to tangible assets | 12.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.28% |
| Non-performing assets ratio | 3.16% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 23.49% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 49.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 3.07% |
| Net interest margin | 5.04% |
| Efficiency ratio | 87.28% |
| Yield on earning assets | 5.36% |
| Cost of funds | 0.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.70% |
| Core deposits to total deposits | 99.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.54% |
| Securities to assets | 18.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.50% | 13.50% | 14.75% | 9.89% | 1.11% |
| Q4 2023 | 12.37% | 12.37% | 13.63% | 9.21% | 1.04% |
| Q1 2024 | — | — | — | 9.69% | 0.72% |
| Q2 2024 | — | — | — | 10.16% | 0.97% |
| Q3 2024 | — | — | — | 10.56% | 0.80% |
| Q4 2024 | — | — | — | 10.89% | 0.77% |
| Q1 2025 | — | — | — | 11.22% | 0.80% |
| Q2 2025 | — | — | — | 11.42% | 0.91% |
| Q3 2025 | — | — | — | 11.62% | 0.83% |
| Q4 2025 | — | — | — | 11.76% | 0.93% |
| Q1 2026 | — | — | — | 12.19% | 0.73% |
| Q2 2026 | — | — | — | 12.27% | 0.37% |
St. Johns Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock St. Johns Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full St. Johns Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8898) · FFIEC NIC profile (RSSD 173557)