Total Assets
$850M
Total balance-sheet footings
FDIC Cert #4549 · Maplewood, Missouri · Est. 1915
CNB St Louis Bank - FDIC Bank Health Profile
A community-scale look at CNB St Louis Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $850M
- Total assets
- B
- Health grade · Good
- 1.18%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
CNB St Louis Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.35% Tier 1, profitable at 1.18% ROA, 62% efficiency ratio.
- #1,201
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 10.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 56th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How CNB St Louis Bank's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
CNB St Louis Bank's composite health score
Tier 1 Capital Ratio (10.35%) 28/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (6.20%) 16/20
Efficiency Ratio (62.23%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$711M
Customer-funded liabilities
Net Loans
$674M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where CNB St Louis Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CNB St Louis Bank's score of 72/100 falls in the highlighted band.
CNB St Louis Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CNB St Louis Bank's $850M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.35%
Texas Ratio
6.20%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
17.97%
Efficiency Ratio
62.23%
What the numbers say about CNB St Louis Bank
CNB St Louis Bank is an FDIC-insured institution (Certificate #4549) headquartered in Maplewood, Missouri, established in 1915. It holds $850M in total assets - 1,201st of 4,313 FDIC-insured banks, $711M in customer deposits, and $674M in net loans. Its capital position: a Tier 1 ratio of 10.35%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 6.20% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
CNB St Louis Bank sits 49th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$47M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. CNB St Louis Bank reports a Texas Ratio of 6.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CNB St Louis Bank (FDIC Cert #4549) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is CNB St Louis Bank's health grade?▼
CNB St Louis Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is CNB St Louis Bank?▼
CNB St Louis Bank holds $850M in total assets and $711M in deposits, ranking 1,201st of 4,313 FDIC-insured banks by asset size. It is headquartered in Maplewood, Missouri.
Is my money safe at CNB St Louis Bank?▼
Yes, deposits at CNB St Louis Bank (Certificate #4549) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is CNB St Louis Bank's Tier 1 Capital Ratio?▼
CNB St Louis Bank has a Tier 1 Capital Ratio of 10.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for CNB St Louis Bank?▼
CNB St Louis Bank has a Texas Ratio of 6.20%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is CNB St Louis Bank?▼
CNB St Louis Bank has an Efficiency Ratio of 62.23%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read CNB St Louis Bank's profile as a depositor or analyst.
- CNB St Louis Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare CNB St Louis Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.