St. Louis Bank

14323 S. Outer 40 Rd
Town And Country, MO 63017

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58018
Date Established 2005
Assets $0.44 billion
Loans $0.33 billion
Deposits $0.39 billion
Capital $0.04 billion

St. Louis Bank is an FDIC insured institution located in Town And Country, MO. It was founded in 2005 and has approximately $0.44 billion in assets.

For a more detailed analysis of St. Louis Bank'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 St. Louis Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, St. Louis Bank has a significantly higher percent of Multifamily Mortgages, Construction and Development 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 11.43
Multifamily
Mortgages
7.52
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 10.94
Construction and Development Loans 11.35
Commercial Real Estate 54.26
Commercial and Industrial Loans 15.03
Farm Loans 0.00

Deposit Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.40% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.50% $100,000 - Learn MoreShow Less
0.55% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.65% $100,000 - Learn MoreShow Less
1.00% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.10% $100,000 - Learn MoreShow Less
1.10% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.20% $100,000 - Learn MoreShow Less
1.25% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.35% $100,000 - Learn MoreShow Less
1.25% $1,000 $99,999 Learn MoreShow Less
1.35% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.45% $100,000 - Learn MoreShow Less
1.55% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.65% $100,000 - Learn MoreShow Less
1.95% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.05% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.00% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for St. Louis Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
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

Note to St. Louis Bank
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Branches

St. Louis Bank 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:
Ashburn,Virginia


St. Louis Bank Locations


Financial Details

St. Louis Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Louis Bank. 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
St. Louis Bank U.S. Bank Average
12.62% 6.97%

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 December 31, 2018, St. Louis Bank had $2,889,000 in non-current loans and $2,800,000 in owned real estate. To cover these potential losses it had $40,831,000 in equity and $4,251,000 in loans loss reserves. That gives it a Texas Ratio of 12.62%.

Return on Equity
St. Louis Bank U.S. Bank Average
4.83% 8.80%

St. Louis Bank has a Return on Equity of 4.83% versus the BestCashCow average of 8.80%. 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
St. Louis Bank U.S. Bank Average
9.34% 12.29%

St. Louis Bank has a Capitalization of 9.34% versus the BestCashCow average of 12.29. 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.

St. Louis Bank Balance Sheet Analysis

As of December 31, 2018, St. Louis Bank had assets of $437,120,000, loans of $329,463,000, and deposits of $394,755,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.33 billion
Loan loss allowance $0.00 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 $0.40 billion
LIABILITIES
Total deposits $0.39 billion
      Interest-bearing deposits $0.33 billion
      Deposits held in domestic offices $0.39 billion
      % insured (estimated) 81.50%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.40 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 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 St. Louis Bank

Branches and Savings

Is St. Louis Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58018.

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

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

Why are St. Louis Bank CD rates not competitive?

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

Is St. Louis Bank a commercial bank?

Yes

Where are St. Louis Bank locations?

See branch locations nearby.

Is St. Louis Bank open on Saturdays?

Is St. Louis Bank open on Sundays?

What time does St. Louis Bank open?

What time does St. Louis Bank close?

Are St. Louis Bank ATMs Open 24/7?

Do St. Louis Bank ATMs accept cash deposits?

Can St. Louis Bank customers use other ATMs?

Do St. Louis Bank branches have notaries?

Will St. Louis Bank notarize my document?

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

Will the St. Louis Bank branch print checks?

Do St. Louis Bank checks expire?

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

Can St. Louis Bank close my account?

Does St. Louis Bank Report to credit bureaus?

Does St. Louis Bank Use Equifax?

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

What is St. Louis Bank's SWIFT code?

Products

Does St. Louis Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does St. Louis Bank offer personal loans?

Compare personal loan rates here.

Does St. Louis Bank offer student loans?

Will St. Louis Bank cash a check?

Will St. Louis Bank redeem a savings bond?

Does St. Louis Bank cash savings bonds?

Will St. Louis Bank cash money orders?

Can St. Louis Bank issue a money order?

Does St. Louis Bank do currency exchange?

Background on The Bank

Who owns St. Louis Bank?

How long has St. Louis Bank been around?

Can St. Louis Bank transfer to other banks?

Does St. Louis Bank have quick pay?

Does St. Louis Bank accept rolled coins?

Will St. Louis Bank accept loose change?

Where is St. Louis Bank headquarters?

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