Superior Bank

Superior Bank is headquartered in Hazelwood and is the 295^th largest bank in the state of Missouri. It is also the 6,615^st largest bank in the nation. It was established in 2004 and as of March of 2013, it had grown to 8 employees at 1 location. Superior Bank has a 1-star health rating.

Superior Bank Routing Number: 081019117

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Data for Q1 2013

Institution Statistics Superior Bank FDIC Certificate # 57884 BankRate Report View Year Established 2004 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $33.96 million Loans $23.83 million Deposits $31.95 million Equity Capital $1.96 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $3.89 million Real Estate Owned $2.69 million Historic Data - March 2012 Assets $41.82 million Equity Capital $3.19 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $3.48 million Real Estate Owned $4.47 million Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets -3.19% Return on Equity -52.19% Interest Income $325,000

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 March 31, 2013 Superior Bank had $6.58 million in non-current loans and owned real-estate with $3.11 million in equity and loan loss allowances on hand to cover it. This gives Superior Bank a Texas Ratio of 211.65% 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 Superior Bank held steady from 187.16% as of March 31, 2012 to 211.65% as of March 31, 2013, resulting in a negative change of 13.09%. This indicates that the balance sheet and financial strength for Superior Bank has held steady in recent periods. Deposit Growth In the past year, Superior Bank has decreased its total deposits by -$6.26 million, resulting in -16.38% 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 Superior 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. Superior Bank has $33.96 million in assets with $3.11 million in equity, resulting in a capitalization level of 9.15%, which is average.

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