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St. Johns Bank And Trust Company
Saint Louis, MO · FDIC Certificate #8898 · Chartered 01/0
Total assets
$297.13M
Total deposits
$260.11M
Total equity
$36.33M
Net loans
$219.27M
Branches (offices)
4
Net income (YTD)
$825.00K
Rank: #2,483 of 4,213 U.S. banks by assets · #100 of 190 in Missouri. Assets changed -2.6% and deposits -3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.55% |
| Return on equity | 4.56% |
| Net interest margin (YTD) | 4.99% |
| Equity to assets | 12.23% |
| Tier 1 leverage ratio | 12.27% |
| Uninsured deposits (share of deposits) | 15.7% |
| Noncurrent loans (share of loans) | 3.28% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 91.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $200.43M | 91.4% | |
| Commercial & industrial | $19.46M | 8.9% | |
| Consumer / individual | $2.94M | 1.3% | |
| Construction & development | $6.74M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $358.30M | $332.27M | $828.00K | $25.18M |
| Jun 2023 | $341.00M | $309.28M | $2.11M | $28.01M |
| Jun 2024 | $316.44M | $284.33M | $1.38M | $29.75M |
| Jun 2025 | $305.02M | $270.15M | $1.32M | $34.24M |
| Jun 2026 | $297.13M | $260.11M | $825.00K | $36.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $260.11M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.11M.
Similar-sized banks
Community Banking Company ($297.30M) · SSB Community Bank ($296.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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