Average User Rating:
5 star rating based on 1 review.

1st Advantage Bank

240 Salt Lick Road
Saint Peters, MO 63376
1-800-303-3501
www.1stadvantagebank.com

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1st Advantage Bank is headquartered in Saint Peters and is the 228^th largest bank in the state of Missouri. It is also the 5,522^nd largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 14 employees at 1 location. 1st Advantage Bank has a 1-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

1st Advantage Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$2,500	-	Advantage Checking
0.10%	-	-	Senior Advantage Checking

1st Advantage Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	$100k	-	Advantage Savings
0.15%	-	-	Regular Savings
0.15%	-	-	Piggy Bank Savings

1st Advantage Bank Money Market Rates

Apy	Min	Max	Product
0.60%	$250k	-	Advantage Personal Money Market
0.55%	$250k	-	Personal Money Market
0.30%	$250k	-	Business Money Market
0.30%	$250k	-	Advantage Business Money Market

1st Advantage Bank CD Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month Advantage CD
1.65%	$500	-	48 Month Advantage CD
1.60%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD
1.25%	$500	-	36 Month Advantage CD
0.99%	$500	-	36 Month CD
0.95%	$500	-	30 Month Advantage CD
0.85%	$500	-	24 Month Advantage CD
0.75%	$500	-	18 Month Advantage CD
0.70%	$500	-	30 Month CD
0.65%	$500	-	12 Month Advantage CD
0.60%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.45%	$500	-	6 Month Advantage CD
0.40%	$500	-	12 Month CD
0.30%	$500	-	3 Month Advantage CD
0.20%	$500	-	6 Month CD
0.05%	$500	-	3 Month CD

1st Advantage Bank IRA Rates

Apy	Min	Max	Product
1.85%	$500	-	60 Month Advantage IRA
1.85%	$500	-	60 Month Advantage Roth IRA
1.65%	$500	-	48 Month Advantage IRA
1.65%	$500	-	48 Month Advantage Roth IRA
1.60%	$500	-	60 Month IRA
1.60%	$500	-	60 Month Roth IRA
1.40%	$500	-	48 Month IRA
1.40%	$500	-	48 Month Roth IRA
1.25%	$500	-	36 Month Advantage IRA
1.25%	$500	-	36 Month Advantage Roth IRA
0.99%	$500	-	36 Month IRA
0.99%	$500	-	36 Month Roth IRA
0.95%	$500	-	30 Month Advantage IRA
0.95%	$500	-	30 Month Advantage Roth IRA
0.85%	$500	-	24 Month Advantage IRA
0.85%	$500	-	24 Month Advantage Roth IRA
0.75%	$500	-	18 Month Advantage IRA
0.75%	$500	-	18 Month Advantage Roth IRA
0.70%	$500	-	30 Month IRA
0.70%	$500	-	30 Month Roth IRA
0.65%	$500	-	12 Month Advantage IRA
0.65%	$500	-	12 Month Advantage Roth IRA
0.60%	$500	-	24 Month IRA
0.60%	$500	-	24 Month Roth IRA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.45%	$500	-	6 Month Advantage IRA
0.45%	$500	-	6 Month Advantage Roth IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Roth IRA
0.30%	$500	-	3 Month Advantage IRA
0.30%	$500	-	3 Month Advantage Roth IRA
0.20%	$500	-	6 Month IRA
0.20%	$500	-	6 Month Roth IRA
0.05%	$500	-	3 Month IRA
0.05%	$500	-	3 Month Roth IRA

Rates updated: 5/17/2012

Data for Q4 2011

Institution Statistics

1st Advantage Bank
FDIC Certificate #	57899
BankRate Report	View
Year Established	2005
Employees	14
Primary Regulator	FDIC
Assets and Liabilities
Assets	$78.80 million
Loans	$58.99 million
Deposits	$71.54 million
Equity Capital	$4.20 million
Loan Loss Allowance	$1.69 million
Unbacked Noncurrent Loans	$7.79 million
Real Estate Owned	$5.93 million
Historic Data - December 2010
Assets	$92.72 million
Equity Capital	$3.62 million
Loan Loss Allowance	$2.78 million
Unbacked Noncurrent Loans	$11.00 million
Real Estate Owned	$4.41 million
Profit Margin - Quarterly
Net Interest Margin	3.18%
Return on Assets	-0.75%
Return on Equity	-16.24%
Interest Income	$3.76 million

Institution Health

Overall Score:

1 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st Advantage Bank had $13.72 million in non-current loans and owned real-estate with $5.89 million in equity and loan loss allowances on hand to cover it. This gives 1st Advantage Bank a Texas Ratio of 232.95% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1st Advantage Bank held steady from 240.88% as of December 31, 2010 to 232.95% as of December 31, 2011, resulting in a positive change of 3.29%.This indicates that the balance sheet and financial strength for 1st Advantage Bank has held steady in recent periods.
Deposit Growth
In the past year, 1st Advantage Bank has decreased its total deposits by -$9.44 million, resulting in -11.66% 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 poor.
Capitalization
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 $78.8 million in assets with $5.89 million in equity, resulting in a capitalization level of 7.47%, which is below average.

1St Advantage Bank
5 stars

- annparr - Tuesday, February 15, 2011 - 11:38 AM

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!