TellerScore

CNB St Louis Bank (FDIC certificate #4549) is based in Maplewood, Missouri. Its Q2 2026 call report shows $812.9M in total assets and $696.8M in deposits and 6 offices.

Based on its Q2 2026 filing, CNB St Louis Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 138th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (43/100; 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings75/100
Return on assets (annualized): 1.36%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 92.8% · 31.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the earnings component improved by 16 points.

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202457
Q4 202455
Q1 202559
Q2 202560
Q3 202559
Q4 202560
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.15%9.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.60%
Q3 20248.71%
Q4 20248.65%
Q1 20258.65%
Q2 20258.61%
Q3 20258.48%
Q4 20258.65%
Q1 20268.96%
Q2 20269.29%
Noncurrent loans
0.53%0.65%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.67%
Q4 20240.71%
Q1 20250.57%
Q2 20250.53%
Q3 20250.78%
Q4 20250.66%
Q1 20260.57%
Q2 20260.57%
Return on assets
0.61%0.99%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.72%
Q4 20240.79%
Q1 20250.96%
Q2 20250.98%
Q3 20251.11%
Q4 20251.18%
Q1 20261.37%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$812.9M9.29%0.57%1.36%92.8%
Q1 202664$852.7M8.96%0.57%1.37%92.4%
Q4 202560$850.2M8.65%0.66%1.18%94.8%
Q3 202559$877.6M8.48%0.78%1.11%88.3%
Q2 202560$839.9M8.61%0.53%0.98%91.0%
Q1 202559$833.4M8.65%0.57%0.96%94.8%
Q4 202455$811.2M8.65%0.71%0.79%92.0%
Q3 202457$790.2M8.71%0.67%0.72%88.3%
Q2 202456$774.4M8.60%0.58%0.61%91.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.29%
17th
Total risk-based capital0.00%
24th
Problem loans0.57%
43rd
Net charge-offs-0.00%
76th
Return on assets1.36%
57th
Net interest margin3.57%
31st
Efficiency ratio59.9%
57th
Loans to deposits92.8%
21st
Uninsured deposits31.3%
24th
Loan-loss reserves1.89%
92nd
Texas ratio4.9%
36th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs
Freedom Bank of Southern MissouriBank Cassville, MO73 out of 100, Strong$850.1M8.7%0.13%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
PSB BankBank Rhineland, MO65 out of 100, Moderate$854.5M8.1%0.29%vs
West Plains Bank and Trust CompanyBank West Plains, MO70 out of 100, Strong$767.9M8.3%0.45%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs

Deposit insurance

Is my money safe at CNB St Louis Bank?

Yes. CNB St Louis Bank is an FDIC-insured institution (FDIC certificate #4549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.3% of deposits ($218.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

CNB St Louis Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CNB St Louis Bank reported 55 home-loan applications under HMDA (LEI 549300RM0VO0UBTMOZ05): 49 originated ($31,215,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
CNB St Louis Bank
Former names
Citizens National Bank of Greater St. Louis; The Citizens National Bank of Maplewood
Type
State-chartered bank
FDIC certificate #
4549
RSSD ID
870650
Primary regulator
FDIC
Holding company
Cardinal Bcorp Inc
Established
January 1, 1915
Headquarters
7305 Manchester Rd, Maplewood, MO 63143
Employees
89

Quick answers

CNB St Louis Bank: common questions

Is CNB St Louis Bank FDIC insured?

Yes. CNB St Louis Bank is an FDIC-insured institution (FDIC certificate #4549). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CNB St Louis Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CNB St Louis Bank ever failed?

There is no failure record for FDIC certificate #4549 in the FDIC failed bank list.

How many branches does CNB St Louis Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Maplewood

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs