St. Johns Bank and Trust Company

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.stjohnsbank.com

314-428-1000

8924 St. Charles Rock Road
Saint Louis, MO 63114

St. Johns Bank and Trust Company is headquartered in SAINT LOUIS and is the 100^th largest bank in the state of Missouri. It is also the 2,472^nd largest bank in the nation. It was established in 1926 and as of March of 2025, it had grown to 72 employees at 4 locations. St. Johns Bank and Trust Company's money market rates are 11% higher than the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8898
Year Established	1926
Employees	72
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	7.56%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$305.3MM$323.2MM
Loans	Q1 2025vs Q1 2024	$225.6MM$243.9MM
Deposits	Q1 2025vs Q1 2024	$271.2MM$283.7MM
Equity Capital	Q1 2025vs Q1 2024	$33.3MM$28.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.8MM$3.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$7.1MM$603K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Johns Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.06%	$100	-	Statement Savings
0.06%	$10	-	Christmas Club
0.06%	$100	-	Youth Savings
0.06%	$0	-	Health Savings Account

St. Johns Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.49%^*	$50k^*	-	Personal Money Market
OTHER TIERS: 0.14% → $1k - $25k \| 0.28% → $25k - $50k
0.49%^*	$50k^*	-	Business Money Market
OTHER TIERS: 0.14% → $1k - $25k \| 0.28% → $25k - $50k

St. Johns Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$100	-	Business Interest Checking
0.02%	$100	-	Premier Checking

St. Johns Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$10k	-	7 Month CD Special
0.50%	$1k	-	60 Month CD
0.40%	$1k	-	18 Month CD
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	24 Month CD
0.30%	$1k	-	36 Month CD
0.20%	$1k	-	6 Month CD
0.05%	$1k	-	3 Month CD

St. Johns Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$250	-	60 Month IRA
0.40%	$250	-	18 Month IRA
0.40%	$250	-	12 Month Variable IRA
0.30%	$250	-	12 Month IRA
0.30%	$250	-	24 Month IRA
0.30%	$250	-	36 Month IRA

Locations

St. Johns Bank and Trust Company Locations
Cave Springs Facility	1053 Cave Springs Road	St. Peters, MO 63376
Bridgeton Branch	11965 St. Charles Rock Road	Bridgeton, MO 63044
O'fallon Branch	2897 Highway K	O Fallon, MO 63368
St. Johns Bank and Trust Company	8924 Saint Charles Rock Rd	Saint Louis, MO 63114

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