CENTRAL BANK OF ST. LOUIS

Headquarters

7707 Forsyth Boulevard
Clayton, MO 63105
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.00% →
1-Year CD 0.01% 0.95% →
2-Year CD 0.05% 1.05% →
5-Year CD 0.40% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

CENTRAL BANK OF ST. LOUIS is an FDIC insured institution located in Clayton, MO. It was founded in 1902 and has approximately $2.07 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 4534
Date Established 1902
Assets $ 2.07 billion
Loans $ 1,552.86 million
Deposits $ 1,443.25 million
Capital $ 230.88 million
 

For a more detailed analysis of CENTRAL BANK OF ST. LOUIS's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 29, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.02% $250 - Learn More
Money Market
0.02% $10,000 $24,999 Learn More
Money Market
0.04% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.01% $2,500 - Learn More
6 Mo CD
0.01% $1,000 - Learn More
12 Mo CD
0.01% $1,000 - Learn More
Special: 13 Mo CD
0.25% $1,000 - Learn More
18 Mo CD
0.01% $1,000 - Learn More
Special: 23 Mo CD
0.50% $1,000 - Learn More
24 Mo CD
0.05% $1,000 - Learn More
30 Mo CD
0.05% $1,000 - Learn More
36 Mo CD
0.05% $1,000 - Learn More
Special: 37 Mo CD
0.60% $1,000 - Learn More
Special: 47 Mo CD
0.75% $1,000 - Learn More
48 Mo CD
0.10% $1,000 - Learn More
60 Mo CD
0.40% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1,000 - Learn MoreShow Less

Loan Rates - September 29, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for CENTRAL BANK OF ST. LOUIS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,110 $1,021 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.817% 2.750% 0.50 $2,188 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to CENTRAL BANK OF ST. LOUIS
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Branches

CENTRAL BANK OF ST. LOUIS branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


CENTRAL BANK OF ST. LOUIS Locations


Financial Details

CENTRAL BANK OF ST. LOUIS Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CENTRAL BANK OF ST. LOUIS. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CENTRAL BANK OF ST. LOUIS U.S. Bank Average
3.82% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, CENTRAL BANK OF ST. LOUIS had $9,254,000 in non-current loans and $453,000 in owned real estate. To cover these potential losses it had $230,876,000 in equity and $22,961,000 in loans loss reserves. That gives it a Texas Ratio of 3.82%.

Return on Equity
CENTRAL BANK OF ST. LOUIS U.S. Bank Average
13.85% 7.80%

CENTRAL BANK OF ST. LOUIS has a Return on Equity of 13.85% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
CENTRAL BANK OF ST. LOUIS U.S. Bank Average
11.17% 12.68%

CENTRAL BANK OF ST. LOUIS has a Capitalization of 11.17% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CENTRAL BANK OF ST. LOUIS Balance Sheet Analysis

As of March 31, 2020, CENTRAL BANK OF ST. LOUIS had assets of $2,067,323,000, loans of $1,552,862,000, and deposits of $1,443,253,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 106.15 million
Interest-bearing balances $ 85.55 million
Total securities $ 284.22 million
Federal funds sold and reverse repurchase $ 10.56 million
Net loans and leases $ 1,552.86 million
Loan loss allowance $ 22.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.45 million
Goodwill and other intangibles $ 39.54 million
All other assets $ 34.81 million
     Total Assets $ 1,836.45 million
LIABILITIES
Total deposits $ 1,443.25 million
      Interest-bearing deposits $ 1,042.89 million
      Deposits held in domestic offices $ 1,443.25 million
      % insured (estimated) 73.25%
Federal funds purchased and repurchase agreements $ 260.71 million
Trading liabilities N.A.
Other borrowed funds $ 60.00 million
Subordinated debt N.A.
All other liabilities $ 72.48 million
      Total Liabilities $ 1,836.45 million
      Shareholders’ Equity $ 230.88 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 19.76 million
Total Interest Expense $ 2.90 million
Net interest income $ 16.85 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 5.40 million
Total non interest expense $ 11.89 million
Pre-tax Net Operating Income $ 9.97 million

Bank Loan Profile?

The top three loan types in CENTRAL BANK OF ST. LOUIS’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, CENTRAL BANK OF ST. LOUIS has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.49
Multifamily
Mortgages
6.76
Credit Card Loans 0.48
Consumer Auto Loans 0.03
Small Business Loans 6.26
Construction and Development Loans 6.41
Commercial Real Estate 39.11
Commercial and Industrial Loans 16.20
Farm Loans 0.05

Frequently Asked Questions About Central Bank Of St. Louis

Branches and Savings

Is Central Bank Of St. Louis FDIC insured?

Yes. It is covered under FDIC Certificate #4534.

Why does Central Bank Of St. Louis pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Central Bank Of St. Louis CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Central Bank Of St. Louis a commercial bank?

Yes

Where are Central Bank Of St. Louis locations?

See branch locations nearby.

Is Central Bank Of St. Louis open on Saturdays?

Is Central Bank Of St. Louis open on Sundays?

What time does Central Bank Of St. Louis open?

What time does Central Bank Of St. Louis close?

Are Central Bank Of St. Louis ATMs Open 24/7?

Do Central Bank Of St. Louis ATMs accept cash deposits?

Can Central Bank Of St. Louis customers use other ATMs?

Do Central Bank Of St. Louis branches have notaries?

Will Central Bank Of St. Louis notarize my document?

What address for Central Bank Of St. Louis should I put for incoming ACH transfers?

Will the Central Bank Of St. Louis branch print checks?

Do Central Bank Of St. Louis checks expire?

Does Central Bank Of St. Louis require US citizenship to open account?

Can Central Bank Of St. Louis close my account?

Does Central Bank Of St. Louis Report to credit bureaus?

Does Central Bank Of St. Louis Use Equifax?

What is Central Bank Of St. Louis's ACH Routing Number?

What is Central Bank Of St. Louis's SWIFT code?

Products

Does Central Bank Of St. Louis offer mortgages?

Compare mortgage rates here.

Does Central Bank Of St. Louis offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Bank Of St. Louis offer personal loans?

Compare personal loan rates here.

Does Central Bank Of St. Louis offer student loans?

Will Central Bank Of St. Louis cash a check?

Will Central Bank Of St. Louis redeem a savings bond?

Does Central Bank Of St. Louis cash savings bonds?

Will Central Bank Of St. Louis cash money orders?

Can Central Bank Of St. Louis issue a money order?

Does Central Bank Of St. Louis do currency exchange?

Background on The Bank

Who owns Central Bank Of St. Louis?

How long has Central Bank Of St. Louis been around?

Can Central Bank Of St. Louis transfer to other banks?

Does Central Bank Of St. Louis have quick pay?

Does Central Bank Of St. Louis accept rolled coins?

Will Central Bank Of St. Louis accept loose change?

Where is Central Bank Of St. Louis headquarters?

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