Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #58018 · Saint Louis, Missouri · Est. 2005
St. Louis Bank - FDIC Bank Health Profile
A community-scale look at St. Louis Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- C
- Health grade · Fair
- 0.98%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
St. Louis Bank earns a PlainBankData health grade of C (64/100), with well-capitalized at 10.28% Tier 1, 0.98% ROA, efficient (59% cost ratio).
- #1,025
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 10.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How St. Louis Bank's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
St. Louis Bank's composite health score
Tier 1 Capital Ratio (10.28%) 28/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (15.83%) 10/20
Efficiency Ratio (58.81%) 12/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$906M
Customer-funded liabilities
Net Loans
$852M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where St. Louis Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. St. Louis Bank's score of 64/100 falls in the highlighted band.
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). St. Louis Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.28%
Texas Ratio
15.83%
Equity Capital
$94M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
11.31%
Efficiency Ratio
58.81%
What the numbers say about St. Louis Bank
St. Louis Bank is an FDIC-insured institution (Certificate #58018) headquartered in Saint Louis, Missouri, established in 2005. It holds $1.0B in total assets - 1,025th of 4,313 FDIC-insured banks, $906M in customer deposits, and $852M in net loans. Capital-wise, the Tier 1 ratio sits at 10.28%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 15.83%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (64 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
St. Louis Bank sits 36th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$60M
Interest Income
$3M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. St. Louis Bank reports a Texas Ratio of 15.83% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.83% - 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) St. Louis Bank (FDIC Cert #58018) - 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 St. Louis Bank's health grade?▼
St. Louis Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is St. Louis Bank?▼
St. Louis Bank holds $1.0B in total assets and $906M in deposits, ranking 1,025th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Louis, Missouri.
Is my money safe at St. Louis Bank?▼
Yes, deposits at St. Louis Bank (Certificate #58018) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is St. Louis Bank's Tier 1 Capital Ratio?▼
St. Louis Bank has a Tier 1 Capital Ratio of 10.28%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for St. Louis Bank?▼
St. Louis Bank has a Texas Ratio of 15.83%. 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 St. Louis Bank?▼
St. Louis Bank has an Efficiency Ratio of 58.81%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read St. Louis Bank's profile as a depositor or analyst.
- St. Louis Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 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.