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Data for Q1 2014

Institution Health


Texas Ratio


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 St. Louis Bank had $28.5 million in non-current loans and owned real-estate with $39.95 million in equity and loan loss allowances on hand to cover it. This gives St. Louis Bank a Texas Ratio of 71.33% which is below average. 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 decreased slightly from 98.67% as of March 31, 2013 to 71.33% as of March 31, 2014, resulting in a positive change of 27.71%.This indicates that the balance sheet and financial strength for St. Louis Bank has improved slightly in recent periods.

Deposit Growth


In the past year, St. Louis Bank has decreased its total deposits by -$18.03 million, resulting in -5.05% 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 below average.



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 $382.46 million in assets with $39.95 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

FDIC Certificate #58018
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$382.46 million
Loans$243.86 million
Deposits$338.65 million
Equity Capital$33.54 million
Loan Loss Allowance$6.42 million
Unbacked Noncurrent Loans$8.69 million
Real Estate Owned$19.81 million
Historic Data - March 2013
Assets$400.76 million
Equity Capital$33.66 million
Loan Loss Allowance$7.89 million
Unbacked Noncurrent Loans$8.69 million
Real Estate Owned$25.77 million
Profit Margin - Quarterly
Net Interest Margin3.02%
Return on Assets0.36%
Return on Equity4.26%
Interest Income$3.21 million

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St. Louis Bank Savings Account Rates

0.15%--Regular Savings
0.15%--Lil' League Savers
0.15%$25-IRA Savings

St. Louis Bank Money Market Rates

0.30%$10k-Personal Money Market
0.15%$10k-Business Money Market

St. Louis Bank Checking Account Rates

0.05%$2,500-Senior Interest Checking
0.05%$1k-Interest Checking
0.05%$1k-Business Interest Checking

St. Louis Bank CD Rates

1.60%$100k-60 Month CD
1.40%$100k-48-59 Month CD
1.10%$100k-36-47 Month CD
0.85%$100k-24-35 Month CD
0.65%$100k-18-23 Month CD
0.55%$100k-12-17 Month CD
0.25%$100k-6-11 month CD
0.20%$100k-30-89 day CD
0.20%$100k-90-180 day CD

St. Louis Bank IRA Rates

1.50%$1k-60 Month IRA
1.30%$1k-48-59 Month IRA
1.00%$1k-36-47 Month IRA
0.75%$1k-24-35 Month IRA
0.55%$1k-18-23 Month IRA
0.45%$1k-12-17 Month IRA
0.15%$1k-6-11 Month IRA
0.10%$1k-90-180 Day IRA

St. Louis Bank Locations
St. Louis Bank14323 S. Outer 40 RdTown and Country, MO 63017