St. Louis Bank

14323 S. Outer Forty, Suite 100 N
Town And Country, MO 63017
314-851-6200
www.stlouisbank.com

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St. Louis Bank is headquartered in Town And Country and is the 60^th largest bank in the state of Missouri. It is also the 1,691^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 43 employees at 1 location. St. Louis Bank's money market rates are 14% higher than the national average, but it has a 2-star health rating.

St. Louis Bank Routing Number: 081019133

2.10% 6-Month CD at St. Louis Bank - Local Only - 7/10/2009

St. Louis Bank is offering some competitive short-term CD specials. These include a 1.95% APY 3-month CD and a 2.10% APY CD with terms of 6 to 12 months. Minimum deposit is $10,000. These special CDs are listed in the bank's rate table as of 7/10/09.This...

3.25% CD for Terms of 3 to 5 Months at St. Louis Bank - 1/18/2009

St. Louis Bank is advertising a special 3.25% APY CD with terms of 3 to 5 months. Minimum deposit is $10,000, and the funds must be new to the bank. This special doesn't seem to be listed in the bank's website. It was advertised in today's St. Louis...

4.30% 6-Month CD at a Missouri Bank (St. Louis) - 8/24/2008

Update: Rates have fallen. Please check the bank's website for the latest rates.St. Louis Bank has just bumped up the rate on its short-term CD specials. The special CDs with terms from 6 to 12 months now have a yield of 4.30% APY (up from 4.05%). The...

4.05% 6-Month CD at a Missouri Bank (St. Louis). - 8/22/2008

Update 8/24/08: The yield for the special CDs with terms of 6 to 12 months has gone up to 4.30% APY.St. Louis Bank is again offering some attractive CD specials. These include a 4.05% APY CD with terms of 6 to 12 months, a 4.05% APY 18-month CD, and a...

2008

2007

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

St. Louis Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	$1k	-	Business Interest Checking
0.10%	$2,500	-	Senior Interest Checking
0.10%	$1k	-	Interest Checking

St. Louis Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Regular Savings
0.25%	$25	-	Lil' League Savers
0.25%	$25	-	IRA Savings

St. Louis Bank Money Market Rates

Apy	Min	Max	Product
0.50%	$10k	-	Personal Money Market
0.30%	$10k	-	Business Money Market

St. Louis Bank CD Rates

Apy	Min	Max	Product
1.80%	$100k	-	60 Month CD
1.65%	$100k	-	48 Month CD
1.40%	$100k	-	36 Month CD
1.05%	$100k	-	24 Month CD
0.80%	$100k	-	18 Month CD
0.70%	$100k	-	12 Month CD
0.40%	$100k	-	6 Month CD
0.25%	$100k	-	90 Day CD
0.20%	$100k	-	30 Day CD

St. Louis Bank IRA Rates

Apy	Min	Max	Product
1.70%	$1k	-	60 Month IRA
1.55%	$1k	-	48 Month IRA
1.30%	$1k	-	36 Month IRA
0.95%	$1k	-	24 Month IRA
0.70%	$1k	-	18 Month IRA
0.60%	$1k	-	12 Month IRA
0.30%	$1k	-	6 Month IRA
0.15%	$1k	-	90 Day IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

St. Louis Bank
FDIC Certificate #	58018
BankRate Report	View
Year Established	2005
Employees	43
Primary Regulator	FDIC
Assets and Liabilities
Assets	$394.19 million
Loans	$246.66 million
Deposits	$350.12 million
Equity Capital	$35.12 million
Loan Loss Allowance	$8.91 million
Unbacked Noncurrent Loans	$24.76 million
Real Estate Owned	$30.06 million
Historic Data - March 2011
Assets	$483.37 million
Equity Capital	$35.25 million
Loan Loss Allowance	$12.22 million
Unbacked Noncurrent Loans	$35.69 million
Real Estate Owned	$20.43 million
Profit Margin - Quarterly
Net Interest Margin	3.19%
Return on Assets	0.49%
Return on Equity	5.66%
Interest Income	$3.66 million

Institution Health

Overall Score:

2 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 March 31, 2012 St. Louis Bank had $54.82 million in non-current loans and owned real-estate with $44.02 million in equity and loan loss allowances on hand to cover it. This gives St. Louis Bank a Texas Ratio of 124.52% 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 St. Louis Bank held steady from 120.53% as of March 31, 2011 to 124.52% as of March 31, 2012, resulting in a negative change of 3.31%. This indicates that the balance sheet and financial strength for St. Louis Bank has held steady in recent periods.
Deposit Growth
In the past year, St. Louis Bank has decreased its total deposits by -$63.54 million, resulting in -15.36% 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 St. Louis 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. St. Louis Bank has $394.19 million in assets with $44.02 million in equity, resulting in a capitalization level of 11.17%, which is above average.