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Overview / Commentary
800-303-3501
240 Salt Lick Road
Saint Peters, MO 63376

1st Advantage Bank is headquartered in Saint Peters and is the 230th largest bank in the state of Missouri. It is also the 5,285th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 15 employees at 1 location. 1st Advantage Bank has a C health rating.

Reviews (2)

Finally A Bank That Gets It.

There are banks and then there is my bank. never have I banked anywhere that they have gone above and beyond personal service. From monitoring my debit card activity to the smiling face when I walk in the front door. No other word to explain it but A++. Chrissy always greets you with a hello and a great smile and Vicky's bubbly personality makes my banking a pleasure instead of a chore

1St Advantage Bank

I don't care what the ratings state, 1st Advantage Bank is exceptional in service.  I have banked with many banks in the area and have not found one close to the friendly service I receive everytime I walk in to the bank.  I am one HAPPY customer!



Health

Data for Q1 2014

Institution Health

C
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. 1st Advantage Bank has a relatively low asset base.

Texas Ratio

GRADE:
F

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 1st Advantage Bank had $11.55 million in non-current loans and owned real-estate with $7.96 million in equity and loan loss allowances on hand to cover it. This gives 1st Advantage Bank a Texas Ratio of 145.14% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for 1st Advantage Bank decreased slightly from 200.24% as of March 31, 2013 to 145.14% as of March 31, 2014, resulting in a positive change of 27.52%.This indicates that the balance sheet and financial strength for 1st Advantage Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, 1st Advantage Bank has increased its total deposits by $3.03 million, resulting in 4.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Advantage Bank has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Advantage Bank has $76.85 million in assets with $7.96 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57899
Year Established2005
Employees15
Primary RegulatorFDIC
Assets and Liabilities
Assets$76.85 million
Loans$58.93 million
Deposits$69.97 million
Equity Capital$6.75 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$5.28 million
Real Estate Owned$6.27 million
Historic Data - March 2013
Assets$73.57 million
Equity Capital$4.31 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$5.28 million
Real Estate Owned$6.69 million
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.2%
Return on Equity2.32%
Interest Income$712,000
Rates

Always verify rates and promotions with the bank or credit union. We are not 1st Advantage Bank, we are a rate comparison website and can not provide official rates or promotions.

1st Advantage Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Advantage Savings
0.10%--Regular Savings
0.10%--Piggy Bank Savings

1st Advantage Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Advantage Personal Money Market
0.30%$100k-Personal Money Market
0.30%$250k-Business Money Market
0.30%$250k-Advantage Business Money Market

1st Advantage Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Advantage Checking
0.10%--Senior Advantage Checking

1st Advantage Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.21%$500-60 Month Advantage CD
1.05%$500-48 Month Advantage CD
0.95%$500-60 Month CD
0.85%$500-36 Month Advantage CD
0.80%$500-48 Month CD
0.80%$500-24 Month Advantage CD
0.75%$500-30 Month Advantage CD
0.70%$500-18 Month Advantage CD
0.65%$500-12 Month Advantage CD
0.60%$500-36 Month CD
0.55%$500-24 Month CD
0.50%$500-30 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$500-6 Month Advantage CD
0.26%$500-3 Month Advantage CD
0.05%$500-6 Month CD
0.02%$500-3 Month CD

1st Advantage Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.21%$500-60 Month Advantage IRA
1.05%$500-48 Month Advantage IRA
0.95%$500-60 Month IRA
0.85%$500-36 Month Advantage IRA
0.80%$500-48 Month IRA
0.80%$500-24 Month Advantage IRA
0.75%$500-30 Month Advantage IRA
0.70%$500-18 Month Advantage IRA
0.65%$500-12 Month Advantage IRA
0.60%$500-36 Month IRA
0.55%$500-24 Month IRA
0.50%$500-30 Month IRA
0.45%$500-18 Month IRA
0.40%$500-12 Month IRA
0.30%$500-6 Month Advantage IRA
0.26%$500-3 Month Advantage IRA
0.05%$500-6 Month IRA
0.02%$500-3 Month IRA
Locations


1st Advantage Bank Locations
1st Advantage Bank240 Salt Lick RoadSaint Peters, MO 63376