Superior Bank

90 Village Square Shopping Center
Hazelwood, MO 63042
314-731-0229
www.mysuperiorbank.com

FDIC


Superior Bank is headquartered in Hazelwood and is the 295th largest bank in the state of Missouri. It is also the 6,615st 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 ReportView
Year Established2004
Employees8
Primary RegulatorFDIC

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 Margin3.8%
Return on Assets-3.19%
Return on Equity-52.19%
Interest Income$325,000

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
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 Trend3
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 Growth1
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.
Capitalization3
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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