Citizens National Bank of Greater St. Louis

7305 Manchester Avenue
Maplewood, MO 63143

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4549
Date Established 1915
Assets $0.48 billion
Loans $0.36 billion
Deposits $0.37 billion
Capital $0.05 billion

Citizens National Bank of Greater St. Louis is an FDIC insured institution located in Maplewood, MO. It was founded in 1915 and has approximately $0.48 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of Citizens National Bank of Greater St. Louis's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Citizens National Bank of Greater 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, Citizens National Bank of Greater St. Louis has a significantly higher percent of Small Business Loans, 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 22.24
Multifamily
Mortgages
5.00
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 12.43
Construction and Development Loans 8.68
Commercial Real Estate 42.46
Commercial and Industrial Loans 20.13
Farm Loans 0.00

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $1 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $24,999 Learn MoreShow Less
Money Market
0.65% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.55% $1,000 - Learn MoreShow Less
6 Mo CD
0.85% $1,000 - Learn MoreShow Less
12 Mo CD
1.26% $1,000 - Learn MoreShow Less
24 Mo CD
1.76% $500 - Learn MoreShow Less
Special: 25 Mo CD
2.27% $10,000 - Learn MoreShow Less
Special: 35 Mo CD
2.52% $10,000 - Learn MoreShow Less
36 Mo CD
1.96% $500 - Learn MoreShow Less
48 Mo CD
2.22% $500 - Learn MoreShow Less
60 Mo CD
2.47% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
3.17% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $100 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Citizens National Bank of Greater 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info

Note to Citizens National Bank of Greater St. Louis
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens National Bank of Greater 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


Citizens National Bank of Greater St. Louis Locations

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Financial Details

Citizens National Bank of Greater St. Louis Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens National Bank of Greater 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
Citizens National Bank of Greater St. Louis U.S. Bank Average
15.12% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, Citizens National Bank of Greater St. Louis had $8,638,000 in non-current loans and $63,000 in owned real estate. To cover these potential losses it had $50,665,000 in equity and $6,894,000 in loans loss reserves. That gives it a Texas Ratio of 15.12%.

Return on Equity
Citizens National Bank of Greater St. Louis U.S. Bank Average
10.35% 9.95%

Citizens National Bank of Greater St. Louis has a Return on Equity of 10.35% versus the BestCashCow average of 9.95%. 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
Citizens National Bank of Greater St. Louis U.S. Bank Average
10.51% 12.19%

Citizens National Bank of Greater St. Louis has a Capitalization of 10.51% versus the BestCashCow average of 12.19. 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.

Citizens National Bank of Greater St. Louis Balance Sheet Analysis

As of September 30, 2018, Citizens National Bank of Greater St. Louis had assets of $481,918,000, loans of $360,628,000, and deposits of $372,556,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.36 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.43 billion
LIABILITIES
Total deposits $0.37 billion
      Interest-bearing deposits $0.31 billion
      Deposits held in domestic offices $0.37 billion
      % insured (estimated) 79.66%
Federal funds purchased and repurchase agreements $0.04 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.43 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Citizens National Bank Of Greater St. Louis

Branches and Savings

Is Citizens National Bank Of Greater St. Louis FDIC insured?

Yes. It is covered under FDIC Certificate #4549.

Why does Citizens National Bank Of Greater 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 Citizens National Bank Of Greater St. Louis CD rates not competitive?

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

Is Citizens National Bank Of Greater St. Louis a commercial bank?

Yes

Where are Citizens National Bank Of Greater St. Louis locations?

See branch locations nearby.

Is Citizens National Bank Of Greater St. Louis open on Saturdays?

Is Citizens National Bank Of Greater St. Louis open on Sundays?

What time does Citizens National Bank Of Greater St. Louis open?

What time does Citizens National Bank Of Greater St. Louis close?

Are Citizens National Bank Of Greater St. Louis ATMs Open 24/7?

Do Citizens National Bank Of Greater St. Louis ATMs accept cash deposits?

Can Citizens National Bank Of Greater St. Louis customers use other ATMs?

Do Citizens National Bank Of Greater St. Louis branches have notaries?

Will Citizens National Bank Of Greater St. Louis notarize my document?

What address for Citizens National Bank Of Greater St. Louis should I put for incoming ACH transfers?

Will the Citizens National Bank Of Greater St. Louis branch print checks?

Do Citizens National Bank Of Greater St. Louis checks expire?

Does Citizens National Bank Of Greater St. Louis require US citizenship to open account?

Can Citizens National Bank Of Greater St. Louis close my account?

Does Citizens National Bank Of Greater St. Louis Report to credit bureaus?

Does Citizens National Bank Of Greater St. Louis Use Equifax?

What is Citizens National Bank Of Greater St. Louis's ACH Routing Number?

What is Citizens National Bank Of Greater St. Louis's SWIFT code?

Products

Does Citizens National Bank Of Greater St. Louis offer mortgages?

Compare mortgage rates here.

Does Citizens National Bank Of Greater St. Louis offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens National Bank Of Greater St. Louis offer personal loans?

Compare personal loan rates here.

Does Citizens National Bank Of Greater St. Louis offer student loans?

Will Citizens National Bank Of Greater St. Louis cash a check?

Will Citizens National Bank Of Greater St. Louis redeem a savings bond?

Does Citizens National Bank Of Greater St. Louis cash savings bonds?

Will Citizens National Bank Of Greater St. Louis cash money orders?

Can Citizens National Bank Of Greater St. Louis issue a money order?

Does Citizens National Bank Of Greater St. Louis do currency exchange?

Background on The Bank

Who owns Citizens National Bank Of Greater St. Louis?

How long has Citizens National Bank Of Greater St. Louis been around?

Can Citizens National Bank Of Greater St. Louis transfer to other banks?

Does Citizens National Bank Of Greater St. Louis have quick pay?

Does Citizens National Bank Of Greater St. Louis accept rolled coins?

Will Citizens National Bank Of Greater St. Louis accept loose change?

Where is Citizens National Bank Of Greater St. Louis headquarters?

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