St. Johns Bank and Trust Company

8924 St. Charles Rock Road
Saint Louis, MO 63114

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8898
Date Established 1926
Assets $0.29 billion
Loans $0.21 billion
Deposits $0.26 billion
Capital $0.03 billion

St. Johns Bank and Trust Company is an FDIC insured institution located in Saint Louis, MO. It was founded in 1926 and has approximately $0.29 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of St. Johns Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.15% $1,000 - Learn MoreShow Less
12 Mo CD
0.70% $1,000 - Learn MoreShow Less
18 Mo CD
0.90% $1,000 - Learn MoreShow Less
24 Mo CD
0.95% $1,000 - Learn MoreShow Less
36 Mo CD
1.31% $1,000 - Learn MoreShow Less
60 Mo CD
1.51% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.90% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $9,999 Learn MoreShow Less

Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
2 Year 4.09% 3.25% $1,077.30
3 Year 3.85% 3.25% $729.79
4 Year 4.02% 3.55% $559.46
5 Year 4.24% 3.85% $458.72
6 Year 4.58% 4.25% $393.98

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

St. Johns Bank and Trust Company 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. Johns Bank and Trust Company Locations


Financial Details

St. Johns Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Johns Bank and Trust Company. 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. Johns Bank and Trust Company U.S. Bank Average
14.97% 6.94%

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 March 31, 2019, St. Johns Bank and Trust Company had $587,000 in non-current loans and $4,125,000 in owned real estate. To cover these potential losses it had $28,605,000 in equity and $2,868,000 in loans loss reserves. That gives it a Texas Ratio of 14.97%.

Return on Equity
St. Johns Bank and Trust Company U.S. Bank Average
7.19% 9.47%

St. Johns Bank and Trust Company has a Return on Equity of 7.19% versus the BestCashCow average of 9.47%. 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. Johns Bank and Trust Company U.S. Bank Average
9.92% 12.49%

St. Johns Bank and Trust Company has a Capitalization of 9.92% versus the BestCashCow average of 12.49. 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. Johns Bank and Trust Company Balance Sheet Analysis

As of March 31, 2019, St. Johns Bank and Trust Company had assets of $288,455,000, loans of $207,379,000, and deposits of $259,019,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.21 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 $0.00 billion
     Total Assets $0.26 billion
LIABILITIES
Total deposits $0.26 billion
      Interest-bearing deposits $0.20 billion
      Deposits held in domestic offices $0.26 billion
      % insured (estimated) 91.36%
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 $0.26 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in St. Johns Bank and Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, St. Johns Bank and Trust Company has a significantly higher percent of 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 11.81
Multifamily
Mortgages
4.84
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 0.00
Construction and Development Loans 6.36
Commercial Real Estate 70.00
Commercial and Industrial Loans 6.59
Farm Loans 0.00

Frequently Asked Questions About St. Johns Bank And Trust Company

Branches and Savings

Is St. Johns Bank And Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #8898.

Why does St. Johns Bank And Trust Company pay such low interest on savings accounts?

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

Why are St. Johns Bank And Trust Company CD rates not competitive?

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

Is St. Johns Bank And Trust Company a commercial bank?

Yes

Where are St. Johns Bank And Trust Company locations?

See branch locations nearby.

Is St. Johns Bank And Trust Company open on Saturdays?

Is St. Johns Bank And Trust Company open on Sundays?

What time does St. Johns Bank And Trust Company open?

What time does St. Johns Bank And Trust Company close?

Are St. Johns Bank And Trust Company ATMs Open 24/7?

Do St. Johns Bank And Trust Company ATMs accept cash deposits?

Can St. Johns Bank And Trust Company customers use other ATMs?

Do St. Johns Bank And Trust Company branches have notaries?

Will St. Johns Bank And Trust Company notarize my document?

What address for St. Johns Bank And Trust Company should I put for incoming ACH transfers?

Will the St. Johns Bank And Trust Company branch print checks?

Do St. Johns Bank And Trust Company checks expire?

Does St. Johns Bank And Trust Company require US citizenship to open account?

Can St. Johns Bank And Trust Company close my account?

Does St. Johns Bank And Trust Company Report to credit bureaus?

Does St. Johns Bank And Trust Company Use Equifax?

What is St. Johns Bank And Trust Company's ACH Routing Number?

What is St. Johns Bank And Trust Company's SWIFT code?

Products

Does St. Johns Bank And Trust Company offer mortgages?

Compare mortgage rates here.

Does St. Johns Bank And Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does St. Johns Bank And Trust Company offer personal loans?

Compare personal loan rates here.

Does St. Johns Bank And Trust Company offer student loans?

Will St. Johns Bank And Trust Company cash a check?

Will St. Johns Bank And Trust Company redeem a savings bond?

Does St. Johns Bank And Trust Company cash savings bonds?

Will St. Johns Bank And Trust Company cash money orders?

Can St. Johns Bank And Trust Company issue a money order?

Does St. Johns Bank And Trust Company do currency exchange?

Background on The Bank

Who owns St. Johns Bank And Trust Company?

How long has St. Johns Bank And Trust Company been around?

Can St. Johns Bank And Trust Company transfer to other banks?

Does St. Johns Bank And Trust Company have quick pay?

Does St. Johns Bank And Trust Company accept rolled coins?

Will St. Johns Bank And Trust Company accept loose change?

Where is St. Johns Bank And Trust Company headquarters?

Customer Reviews for St. Johns Bank and Trust Company

There are currently no comments for St. Johns Bank and Trust Company. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →