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Overview / Commentary
240 Salt Lick Road
Saint Peters, MO 63376

1st Advantage Bank is headquartered in Saint Peters and is the 197th largest bank in the state of Missouri. It is also the 4,466th largest bank in the nation. It was established in 2005 and as of December of 2016, it had grown to 18 employees at 1 location. 1st Advantage Bank's CD rates are 11% higher than the national average, and it has a C+ health rating.

Reviews (2)

1St Advantage Bank

Posted by: annparr | Feb 15, 2011

I don't care what the ratings state, 1st Advantage Bank is exceptional in service.  I have banked with many banks in the area and have not found one close to the friendly service I receive everytime I walk in to the bank.  I am one HAPPY customer!

Finally A Bank That Gets It.

Posted by: LisaT | Sep 27, 2012

There are banks and then there is my bank. never have I banked anywhere that they have gone above and beyond personal service. From monitoring my debit card activity to the smiling face when I walk in the front door. No other word to explain it but A++. Chrissy always greets you with a hello and a great smile and Vicky's bubbly personality makes my banking a pleasure instead of a chore

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. 1st Advantage Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #57899
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD6.49%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$95.2MM$84.4MM
LoansQ4 2016vs Q4 2015$78.0MM$68.5MM
DepositsQ4 2016vs Q4 2015$81.8MM$68.4MM
Equity CapitalQ4 2016vs Q4 2015$8.2MM$7.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$709.00K$713.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$563.00K$1.1MM
Real Estate OwnedQ4 2016vs Q4 2015$5.5MM$6.0MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st Advantage Bank Savings Account Rates

0.15%*$100k*-Advantage Savings
OTHER TIERS: 0.10% $1k - $100k
0.10%--Regular Savings
0.10%--Piggy Bank Savings

1st Advantage Bank Money Market Rates

0.25%*$250k*-Advantage Business Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $250k
0.25%*$250k*-Advantage Personal Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $250k
0.20%*$250k*-Personal Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k | 0.15% $50k - $250k
0.20%*$250k*-Business Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k | 0.15% $50k - $250k

1st Advantage Bank Checking Account Rates

0.10%$2,500-Advantage Checking
0.10%--Senior Advantage Checking

1st Advantage Bank CD Rates

2.00%$2,500-60 Month Advantage CD
1.75%$500-60 Month CD
1.55%$2,500-48 Month Advantage CD
1.50%$2,500-36 Month Advantage CD
1.45%$2,500-30 Month Advantage CD
1.40%$2,500-24 Month Advantage CD
1.30%$500-48 Month CD
1.30%$2,500-18 Month Advantage CD
1.25%$500-36 Month CD
1.25%$2,500-12 Month Advantage CD
1.20%$500-30 Month CD
1.15%$500-24 Month CD
1.05%$500-18 Month CD
1.00%$500-12 Month CD
0.55%$2,500-6 Month Advantage CD
0.50%$2,500-3 Month Advantage CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD

1st Advantage Bank IRA Rates

2.00%$2,500-60 Month Advantage IRA
1.75%$500-60 Month IRA
1.55%$2,500-48 Month Advantage IRA
1.50%$2,500-36 Month Advantage IRA
1.45%$2,500-30 Month Advantage IRA
1.40%$2,500-24 Month Advantage IRA
1.30%$500-48 Month IRA
1.30%$2,500-18 Month Advantage IRA
1.25%$500-36 Month IRA
1.25%$2,500-12 Month Advantage IRA
1.20%$500-30 Month IRA
1.15%$500-24 Month IRA
1.05%$500-18 Month IRA
1.00%$500-12 Month IRA
0.55%$2,500-6 Month Advantage IRA
0.50%$2,500-3 Month Advantage IRA
0.30%$500-6 Month IRA
0.25%$500-3 Month IRA

1st Advantage Bank Locations
1st Advantage Bank240 Salt Lick RoadSaint Peters, MO 63376