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90 Village Square Shopping Center
Hazelwood, MO 63042

Superior Bank is headquartered in Hazelwood and is the 294th largest bank in the state of Missouri. It is also the 6,493rd largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 9 employees at 1 location. Superior Bank has a F health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Superior Bank has a low asset base.

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, 2013 Superior Bank had $5.81 million in non-current loans and owned real-estate with $2.22 million in equity and loan loss allowances on hand to cover it. This gives Superior Bank a Texas Ratio of 261.49% 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 increased slightly from 210.89% as of December 31, 2012 to 261.49% as of December 31, 2013, resulting in a negative change of 24.00%. This indicates that the balance sheet and financial strength for Superior Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Superior Bank has decreased its total deposits by -$3.42 million, resulting in -10.57% 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.



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 $30.62 million in assets with $2.22 million in equity, resulting in a capitalization level of 7.26%, which is below average.

Institution Statistics

FDIC Certificate #57884
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$30.62 million
Loans$18.60 million
Deposits$28.92 million
Equity Capital$1.67 million
Loan Loss Allowance$551,000
Unbacked Noncurrent Loans$2.37 million
Real Estate Owned$3.44 million
Historic Data - December 2012
Assets$34.61 million
Equity Capital$2.23 million
Loan Loss Allowance$921,000
Unbacked Noncurrent Loans$2.37 million
Real Estate Owned$2.58 million
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets-1.69%
Return on Equity-28.72%
Interest Income$1.18 million

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Superior Bank Locations
Superior Bank90 Village Square Shopping CenterHazelwood, MO 63042